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$46,171
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,607
−HK$1,459/mo
Today · 4.125%
HK$49,066
baseline
▲ 0.50% · 4.625%
HK$52,052
+HK$2,986/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$98,132/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$774,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,365
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,742
−HK$1,398/mo
Today · 4.125%
HK$54,140
baseline
▲ 0.50% · 4.625%
HK$56,994
+HK$2,854/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$108,280/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$774,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,405
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,129
−HK$1,751/mo
Today · 4.125%
HK$58,880
baseline
▲ 0.50% · 4.625%
HK$62,462
+HK$3,582/mo
Deposit HK$8.10M · loan HK$12.15M · min. income ≈ HK$117,760/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$774,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,638
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,291
−HK$1,677/mo
Today · 4.125%
HK$64,968
baseline
▲ 0.50% · 4.625%
HK$68,392
+HK$3,424/mo
Deposit HK$8.10M · loan HK$12.15M · min. income ≈ HK$129,936/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$774,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,639
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$66,650
−HK$2,043/mo
Today · 4.125%
HK$68,693
baseline
▲ 0.50% · 4.625%
HK$72,873
+HK$4,180/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$137,386/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$774,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,911
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$73,839
−HK$1,957/mo
Today · 4.125%
HK$75,796
baseline
▲ 0.50% · 4.625%
HK$79,791
+HK$3,995/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$151,592/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$774,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,108
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$85,693
−HK$2,626/mo
Today · 4.125%
HK$88,319
baseline
▲ 0.50% · 4.625%
HK$93,693
+HK$5,374/mo
Deposit HK$2.02M · loan HK$18.22M · min. income ≈ HK$176,638/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$774,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,457
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$94,936
−HK$2,516/mo
Today · 4.125%
HK$97,452
baseline
▲ 0.50% · 4.625%
HK$102,589
+HK$5,137/mo
Deposit HK$2.02M · loan HK$18.22M · min. income ≈ HK$194,904/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$774,817 · Scale 2, in force from 26 Feb 2026)