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$46,167
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,603
−HK$1,459/mo
Today · 4.125%
HK$49,062
baseline
▲ 0.50% · 4.625%
HK$52,047
+HK$2,985/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$98,124/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$774,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,360
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,738
−HK$1,397/mo
Today · 4.125%
HK$54,135
baseline
▲ 0.50% · 4.625%
HK$56,988
+HK$2,853/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$108,270/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$774,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,400
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$57,123
−HK$1,751/mo
Today · 4.125%
HK$58,874
baseline
▲ 0.50% · 4.625%
HK$62,457
+HK$3,583/mo
Deposit HK$8.10M · loan HK$12.15M · min. income ≈ HK$117,748/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$774,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,632
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,285
−HK$1,677/mo
Today · 4.125%
HK$64,962
baseline
▲ 0.50% · 4.625%
HK$68,386
+HK$3,424/mo
Deposit HK$8.10M · loan HK$12.15M · min. income ≈ HK$129,924/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$774,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,634
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$66,644
−HK$2,043/mo
Today · 4.125%
HK$68,687
baseline
▲ 0.50% · 4.625%
HK$72,866
+HK$4,179/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$137,374/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$774,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,904
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$73,833
−HK$1,956/mo
Today · 4.125%
HK$75,789
baseline
▲ 0.50% · 4.625%
HK$79,784
+HK$3,995/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$151,578/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$774,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,100
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$85,685
−HK$2,626/mo
Today · 4.125%
HK$88,311
baseline
▲ 0.50% · 4.625%
HK$93,685
+HK$5,374/mo
Deposit HK$2.02M · loan HK$18.22M · min. income ≈ HK$176,622/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$774,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,448
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$94,928
−HK$2,515/mo
Today · 4.125%
HK$97,443
baseline
▲ 0.50% · 4.625%
HK$102,579
+HK$5,136/mo
Deposit HK$2.02M · loan HK$18.22M · min. income ≈ HK$194,886/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$774,632 · Scale 2, in force from 26 Feb 2026)