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$46,523
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,970
−HK$1,471/mo
Today · 4.125%
HK$49,441
baseline
▲ 0.50% · 4.625%
HK$52,449
+HK$3,008/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$98,882/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$790,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,757
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,145
−HK$1,408/mo
Today · 4.125%
HK$54,553
baseline
▲ 0.50% · 4.625%
HK$57,428
+HK$2,875/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$109,106/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$790,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,828
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,564
−HK$1,765/mo
Today · 4.125%
HK$59,329
baseline
▲ 0.50% · 4.625%
HK$62,939
+HK$3,610/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$118,658/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$790,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,108
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,774
−HK$1,690/mo
Today · 4.125%
HK$65,464
baseline
▲ 0.50% · 4.625%
HK$68,914
+HK$3,450/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$130,928/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$790,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,133
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,159
−HK$2,058/mo
Today · 4.125%
HK$69,217
baseline
▲ 0.50% · 4.625%
HK$73,429
+HK$4,212/mo
Deposit HK$6.12M · loan HK$14.28M · min. income ≈ HK$138,434/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$790,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,459
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,403
−HK$1,971/mo
Today · 4.125%
HK$76,374
baseline
▲ 0.50% · 4.625%
HK$80,400
+HK$4,026/mo
Deposit HK$6.12M · loan HK$14.28M · min. income ≈ HK$152,748/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$790,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,742
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$86,347
−HK$2,646/mo
Today · 4.125%
HK$88,993
baseline
▲ 0.50% · 4.625%
HK$94,408
+HK$5,415/mo
Deposit HK$2.04M · loan HK$18.36M · min. income ≈ HK$177,986/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$790,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,162
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$95,661
−HK$2,534/mo
Today · 4.125%
HK$98,195
baseline
▲ 0.50% · 4.625%
HK$103,371
+HK$5,176/mo
Deposit HK$2.04M · loan HK$18.36M · min. income ≈ HK$196,390/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$790,266 · Scale 2, in force from 26 Feb 2026)