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$46,523
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,970
−HK$1,470/mo
Today · 4.125%
HK$49,440
baseline
▲ 0.50% · 4.625%
HK$52,449
+HK$3,009/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$98,880/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$790,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,756
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,144
−HK$1,408/mo
Today · 4.125%
HK$54,552
baseline
▲ 0.50% · 4.625%
HK$57,428
+HK$2,876/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$109,104/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$790,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,827
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,564
−HK$1,764/mo
Today · 4.125%
HK$59,328
baseline
▲ 0.50% · 4.625%
HK$62,938
+HK$3,610/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$118,656/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$790,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,108
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,773
−HK$1,690/mo
Today · 4.125%
HK$65,463
baseline
▲ 0.50% · 4.625%
HK$68,914
+HK$3,451/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$130,926/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$790,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,132
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,158
−HK$2,058/mo
Today · 4.125%
HK$69,216
baseline
▲ 0.50% · 4.625%
HK$73,428
+HK$4,212/mo
Deposit HK$6.12M · loan HK$14.28M · min. income ≈ HK$138,432/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$790,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,459
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$74,402
−HK$1,971/mo
Today · 4.125%
HK$76,373
baseline
▲ 0.50% · 4.625%
HK$80,399
+HK$4,026/mo
Deposit HK$6.12M · loan HK$14.28M · min. income ≈ HK$152,746/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$790,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,741
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$86,346
−HK$2,647/mo
Today · 4.125%
HK$88,993
baseline
▲ 0.50% · 4.625%
HK$94,408
+HK$5,415/mo
Deposit HK$2.04M · loan HK$18.36M · min. income ≈ HK$177,986/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$790,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,161
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$95,660
−HK$2,534/mo
Today · 4.125%
HK$98,194
baseline
▲ 0.50% · 4.625%
HK$103,370
+HK$5,176/mo
Deposit HK$2.04M · loan HK$18.36M · min. income ≈ HK$196,388/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$790,249 · Scale 2, in force from 26 Feb 2026)