The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$46,526
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,973
−HK$1,471/mo
Today · 4.125%
HK$49,444
baseline
▲ 0.50% · 4.625%
HK$52,452
+HK$3,008/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$98,888/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$790,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,760
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,148
−HK$1,408/mo
Today · 4.125%
HK$54,556
baseline
▲ 0.50% · 4.625%
HK$57,432
+HK$2,876/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$109,112/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$790,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,831
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,568
−HK$1,764/mo
Today · 4.125%
HK$59,332
baseline
▲ 0.50% · 4.625%
HK$62,942
+HK$3,610/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$118,664/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$790,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,112
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,777
−HK$1,690/mo
Today · 4.125%
HK$65,467
baseline
▲ 0.50% · 4.625%
HK$68,918
+HK$3,451/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$130,934/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$790,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,136
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$67,162
−HK$2,059/mo
Today · 4.125%
HK$69,221
baseline
▲ 0.50% · 4.625%
HK$73,433
+HK$4,212/mo
Deposit HK$6.12M · loan HK$14.28M · min. income ≈ HK$138,442/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$790,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,463
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,407
−HK$1,971/mo
Today · 4.125%
HK$76,378
baseline
▲ 0.50% · 4.625%
HK$80,404
+HK$4,026/mo
Deposit HK$6.12M · loan HK$14.28M · min. income ≈ HK$152,756/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$790,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,747
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$86,352
−HK$2,646/mo
Today · 4.125%
HK$88,998
baseline
▲ 0.50% · 4.625%
HK$94,414
+HK$5,416/mo
Deposit HK$2.04M · loan HK$18.36M · min. income ≈ HK$177,996/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$790,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,167
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$95,666
−HK$2,535/mo
Today · 4.125%
HK$98,201
baseline
▲ 0.50% · 4.625%
HK$103,377
+HK$5,176/mo
Deposit HK$2.04M · loan HK$18.36M · min. income ≈ HK$196,402/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$790,381 · Scale 2, in force from 26 Feb 2026)