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$46,309
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,750
−HK$1,463/mo
Today · 4.125%
HK$49,213
baseline
▲ 0.50% · 4.625%
HK$52,208
+HK$2,995/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$98,426/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$780,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,519
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,900
−HK$1,402/mo
Today · 4.125%
HK$54,302
baseline
▲ 0.50% · 4.625%
HK$57,164
+HK$2,862/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$108,604/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$780,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,571
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,300
−HK$1,756/mo
Today · 4.125%
HK$59,056
baseline
▲ 0.50% · 4.625%
HK$62,649
+HK$3,593/mo
Deposit HK$8.12M · loan HK$12.19M · min. income ≈ HK$118,112/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$780,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,822
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,480
−HK$1,682/mo
Today · 4.125%
HK$65,162
baseline
▲ 0.50% · 4.625%
HK$68,597
+HK$3,435/mo
Deposit HK$8.12M · loan HK$12.19M · min. income ≈ HK$130,324/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$780,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,833
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$66,850
−HK$2,048/mo
Today · 4.125%
HK$68,898
baseline
▲ 0.50% · 4.625%
HK$73,091
+HK$4,193/mo
Deposit HK$6.09M · loan HK$14.22M · min. income ≈ HK$137,796/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$780,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,126
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$74,060
−HK$1,963/mo
Today · 4.125%
HK$76,023
baseline
▲ 0.50% · 4.625%
HK$80,030
+HK$4,007/mo
Deposit HK$6.09M · loan HK$14.22M · min. income ≈ HK$152,046/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$780,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,357
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$85,949
−HK$2,635/mo
Today · 4.125%
HK$88,584
baseline
▲ 0.50% · 4.625%
HK$93,974
+HK$5,390/mo
Deposit HK$2.03M · loan HK$18.28M · min. income ≈ HK$177,168/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$780,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,733
−HK$5,010/mo
▼ 0.25% · 3.875%
HK$95,220
−HK$2,523/mo
Today · 4.125%
HK$97,743
baseline
▲ 0.50% · 4.625%
HK$102,896
+HK$5,153/mo
Deposit HK$2.03M · loan HK$18.28M · min. income ≈ HK$195,486/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$780,877 · Scale 2, in force from 26 Feb 2026)