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$46,531
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,978
−HK$1,471/mo
Today · 4.125%
HK$49,449
baseline
▲ 0.50% · 4.625%
HK$52,458
+HK$3,009/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$98,898/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$790,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,765
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$53,154
−HK$1,408/mo
Today · 4.125%
HK$54,562
baseline
▲ 0.50% · 4.625%
HK$57,438
+HK$2,876/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$109,124/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$790,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,837
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,574
−HK$1,765/mo
Today · 4.125%
HK$59,339
baseline
▲ 0.50% · 4.625%
HK$62,949
+HK$3,610/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$118,678/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$790,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,118
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,784
−HK$1,690/mo
Today · 4.125%
HK$65,474
baseline
▲ 0.50% · 4.625%
HK$68,926
+HK$3,452/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$130,948/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$790,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,143
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$67,170
−HK$2,059/mo
Today · 4.125%
HK$69,229
baseline
▲ 0.50% · 4.625%
HK$73,441
+HK$4,212/mo
Deposit HK$6.12M · loan HK$14.28M · min. income ≈ HK$138,458/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$790,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,471
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$74,415
−HK$1,972/mo
Today · 4.125%
HK$76,387
baseline
▲ 0.50% · 4.625%
HK$80,413
+HK$4,026/mo
Deposit HK$6.12M · loan HK$14.28M · min. income ≈ HK$152,774/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$790,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,756
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$86,361
−HK$2,647/mo
Today · 4.125%
HK$89,008
baseline
▲ 0.50% · 4.625%
HK$94,424
+HK$5,416/mo
Deposit HK$2.04M · loan HK$18.37M · min. income ≈ HK$178,016/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$790,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,178
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$95,677
−HK$2,535/mo
Today · 4.125%
HK$98,212
baseline
▲ 0.50% · 4.625%
HK$103,389
+HK$5,177/mo
Deposit HK$2.04M · loan HK$18.37M · min. income ≈ HK$196,424/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$790,606 · Scale 2, in force from 26 Feb 2026)