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$46,271
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,711
−HK$1,462/mo
Today · 4.125%
HK$49,173
baseline
▲ 0.50% · 4.625%
HK$52,165
+HK$2,992/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$98,346/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$779,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,476
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,857
−HK$1,400/mo
Today · 4.125%
HK$54,257
baseline
▲ 0.50% · 4.625%
HK$57,117
+HK$2,860/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$108,514/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$779,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,526
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,253
−HK$1,754/mo
Today · 4.125%
HK$59,007
baseline
▲ 0.50% · 4.625%
HK$62,598
+HK$3,591/mo
Deposit HK$8.12M · loan HK$12.18M · min. income ≈ HK$118,014/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$779,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,772
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$63,428
−HK$1,681/mo
Today · 4.125%
HK$65,109
baseline
▲ 0.50% · 4.625%
HK$68,541
+HK$3,432/mo
Deposit HK$8.12M · loan HK$12.18M · min. income ≈ HK$130,218/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$779,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,780
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$66,795
−HK$2,047/mo
Today · 4.125%
HK$68,842
baseline
▲ 0.50% · 4.625%
HK$73,031
+HK$4,189/mo
Deposit HK$6.09M · loan HK$14.20M · min. income ≈ HK$137,684/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$779,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,067
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$74,000
−HK$1,960/mo
Today · 4.125%
HK$75,960
baseline
▲ 0.50% · 4.625%
HK$79,964
+HK$4,004/mo
Deposit HK$6.09M · loan HK$14.20M · min. income ≈ HK$151,920/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$779,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,288
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$85,879
−HK$2,632/mo
Today · 4.125%
HK$88,511
baseline
▲ 0.50% · 4.625%
HK$93,897
+HK$5,386/mo
Deposit HK$2.03M · loan HK$18.26M · min. income ≈ HK$177,022/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$779,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,657
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$95,142
−HK$2,521/mo
Today · 4.125%
HK$97,663
baseline
▲ 0.50% · 4.625%
HK$102,811
+HK$5,148/mo
Deposit HK$2.03M · loan HK$18.26M · min. income ≈ HK$195,326/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$779,213 · Scale 2, in force from 26 Feb 2026)