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$46,350
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,792
−HK$1,465/mo
Today · 4.125%
HK$49,257
baseline
▲ 0.50% · 4.625%
HK$52,254
+HK$2,997/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$98,514/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$782,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,564
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$52,947
−HK$1,403/mo
Today · 4.125%
HK$54,350
baseline
▲ 0.50% · 4.625%
HK$57,215
+HK$2,865/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$108,700/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$782,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,620
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$57,350
−HK$1,758/mo
Today · 4.125%
HK$59,108
baseline
▲ 0.50% · 4.625%
HK$62,704
+HK$3,596/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$118,216/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$782,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,877
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,536
−HK$1,684/mo
Today · 4.125%
HK$65,220
baseline
▲ 0.50% · 4.625%
HK$68,658
+HK$3,438/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$130,440/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$782,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,890
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$66,908
−HK$2,051/mo
Today · 4.125%
HK$68,959
baseline
▲ 0.50% · 4.625%
HK$73,155
+HK$4,196/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$137,918/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$782,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,190
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$74,126
−HK$1,964/mo
Today · 4.125%
HK$76,090
baseline
▲ 0.50% · 4.625%
HK$80,100
+HK$4,010/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$152,180/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$782,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,430
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$86,025
−HK$2,637/mo
Today · 4.125%
HK$88,662
baseline
▲ 0.50% · 4.625%
HK$94,057
+HK$5,395/mo
Deposit HK$2.03M · loan HK$18.29M · min. income ≈ HK$177,324/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$782,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,815
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$95,304
−HK$2,526/mo
Today · 4.125%
HK$97,830
baseline
▲ 0.50% · 4.625%
HK$102,986
+HK$5,156/mo
Deposit HK$2.03M · loan HK$18.29M · min. income ≈ HK$195,660/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$782,668 · Scale 2, in force from 26 Feb 2026)