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$46,314
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,754
−HK$1,464/mo
Today · 4.125%
HK$49,218
baseline
▲ 0.50% · 4.625%
HK$52,213
+HK$2,995/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$98,436/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$781,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,523
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$52,905
−HK$1,402/mo
Today · 4.125%
HK$54,307
baseline
▲ 0.50% · 4.625%
HK$57,170
+HK$2,863/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$108,614/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$781,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,576
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,305
−HK$1,756/mo
Today · 4.125%
HK$59,061
baseline
▲ 0.50% · 4.625%
HK$62,655
+HK$3,594/mo
Deposit HK$8.12M · loan HK$12.19M · min. income ≈ HK$118,122/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$781,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,828
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,486
−HK$1,682/mo
Today · 4.125%
HK$65,168
baseline
▲ 0.50% · 4.625%
HK$68,604
+HK$3,436/mo
Deposit HK$8.12M · loan HK$12.19M · min. income ≈ HK$130,336/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$781,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,839
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$66,856
−HK$2,049/mo
Today · 4.125%
HK$68,905
baseline
▲ 0.50% · 4.625%
HK$73,098
+HK$4,193/mo
Deposit HK$6.09M · loan HK$14.22M · min. income ≈ HK$137,810/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$781,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,133
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$74,067
−HK$1,963/mo
Today · 4.125%
HK$76,030
baseline
▲ 0.50% · 4.625%
HK$80,037
+HK$4,007/mo
Deposit HK$6.09M · loan HK$14.22M · min. income ≈ HK$152,060/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$781,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,364
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$85,957
−HK$2,635/mo
Today · 4.125%
HK$88,592
baseline
▲ 0.50% · 4.625%
HK$93,983
+HK$5,391/mo
Deposit HK$2.03M · loan HK$18.28M · min. income ≈ HK$177,184/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$781,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,742
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$95,229
−HK$2,524/mo
Today · 4.125%
HK$97,753
baseline
▲ 0.50% · 4.625%
HK$102,905
+HK$5,152/mo
Deposit HK$2.03M · loan HK$18.28M · min. income ≈ HK$195,506/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$781,068 · Scale 2, in force from 26 Feb 2026)