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$46,360
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$47,802
−HK$1,466/mo
Today · 4.125%
HK$49,268
baseline
▲ 0.50% · 4.625%
HK$52,265
+HK$2,997/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$98,536/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$783,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,575
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,959
−HK$1,403/mo
Today · 4.125%
HK$54,362
baseline
▲ 0.50% · 4.625%
HK$57,227
+HK$2,865/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$108,724/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$783,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,632
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$57,363
−HK$1,758/mo
Today · 4.125%
HK$59,121
baseline
▲ 0.50% · 4.625%
HK$62,719
+HK$3,598/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$118,242/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$783,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,891
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,550
−HK$1,684/mo
Today · 4.125%
HK$65,234
baseline
▲ 0.50% · 4.625%
HK$68,673
+HK$3,439/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$130,468/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$783,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,905
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$66,923
−HK$2,052/mo
Today · 4.125%
HK$68,975
baseline
▲ 0.50% · 4.625%
HK$73,172
+HK$4,197/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$137,950/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$783,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,206
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$74,142
−HK$1,965/mo
Today · 4.125%
HK$76,107
baseline
▲ 0.50% · 4.625%
HK$80,118
+HK$4,011/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$152,214/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$783,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,449
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$86,044
−HK$2,638/mo
Today · 4.125%
HK$88,682
baseline
▲ 0.50% · 4.625%
HK$94,078
+HK$5,396/mo
Deposit HK$2.03M · loan HK$18.30M · min. income ≈ HK$177,364/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$783,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,836
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$95,326
−HK$2,525/mo
Today · 4.125%
HK$97,851
baseline
▲ 0.50% · 4.625%
HK$103,009
+HK$5,158/mo
Deposit HK$2.03M · loan HK$18.30M · min. income ≈ HK$195,702/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$783,123 · Scale 2, in force from 26 Feb 2026)