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$46,384
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,827
−HK$1,466/mo
Today · 4.125%
HK$49,293
baseline
▲ 0.50% · 4.625%
HK$52,292
+HK$2,999/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$98,586/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$784,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,602
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,986
−HK$1,404/mo
Today · 4.125%
HK$54,390
baseline
▲ 0.50% · 4.625%
HK$57,257
+HK$2,867/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$108,780/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$784,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,661
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$57,392
−HK$1,759/mo
Today · 4.125%
HK$59,151
baseline
▲ 0.50% · 4.625%
HK$62,751
+HK$3,600/mo
Deposit HK$8.14M · loan HK$12.20M · min. income ≈ HK$118,302/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$784,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,922
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,583
−HK$1,685/mo
Today · 4.125%
HK$65,268
baseline
▲ 0.50% · 4.625%
HK$68,708
+HK$3,440/mo
Deposit HK$8.14M · loan HK$12.20M · min. income ≈ HK$130,536/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$784,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,938
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$66,958
−HK$2,052/mo
Today · 4.125%
HK$69,010
baseline
▲ 0.50% · 4.625%
HK$73,209
+HK$4,199/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$138,020/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$784,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,243
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$74,180
−HK$1,966/mo
Today · 4.125%
HK$76,146
baseline
▲ 0.50% · 4.625%
HK$80,160
+HK$4,014/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$152,292/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$784,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,492
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$86,089
−HK$2,638/mo
Today · 4.125%
HK$88,727
baseline
▲ 0.50% · 4.625%
HK$94,126
+HK$5,399/mo
Deposit HK$2.03M · loan HK$18.31M · min. income ≈ HK$177,454/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$784,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,884
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$95,375
−HK$2,527/mo
Today · 4.125%
HK$97,902
baseline
▲ 0.50% · 4.625%
HK$103,062
+HK$5,160/mo
Deposit HK$2.03M · loan HK$18.31M · min. income ≈ HK$195,804/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$784,167 · Scale 2, in force from 26 Feb 2026)