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$46,316
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$47,757
−HK$1,464/mo
Today · 4.125%
HK$49,221
baseline
▲ 0.50% · 4.625%
HK$52,216
+HK$2,995/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$98,442/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$781,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,526
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$52,908
−HK$1,402/mo
Today · 4.125%
HK$54,310
baseline
▲ 0.50% · 4.625%
HK$57,173
+HK$2,863/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$108,620/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$781,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,579
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$57,308
−HK$1,757/mo
Today · 4.125%
HK$59,065
baseline
▲ 0.50% · 4.625%
HK$62,659
+HK$3,594/mo
Deposit HK$8.12M · loan HK$12.19M · min. income ≈ HK$118,130/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$781,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,832
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,490
−HK$1,682/mo
Today · 4.125%
HK$65,172
baseline
▲ 0.50% · 4.625%
HK$68,607
+HK$3,435/mo
Deposit HK$8.12M · loan HK$12.19M · min. income ≈ HK$130,344/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$781,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,843
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$66,860
−HK$2,049/mo
Today · 4.125%
HK$68,909
baseline
▲ 0.50% · 4.625%
HK$73,102
+HK$4,193/mo
Deposit HK$6.09M · loan HK$14.22M · min. income ≈ HK$137,818/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$781,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,137
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$74,071
−HK$1,963/mo
Today · 4.125%
HK$76,034
baseline
▲ 0.50% · 4.625%
HK$80,042
+HK$4,008/mo
Deposit HK$6.09M · loan HK$14.22M · min. income ≈ HK$152,068/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$781,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,369
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$85,962
−HK$2,635/mo
Today · 4.125%
HK$88,597
baseline
▲ 0.50% · 4.625%
HK$93,988
+HK$5,391/mo
Deposit HK$2.03M · loan HK$18.28M · min. income ≈ HK$177,194/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$781,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,747
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$95,235
−HK$2,523/mo
Today · 4.125%
HK$97,758
baseline
▲ 0.50% · 4.625%
HK$102,911
+HK$5,153/mo
Deposit HK$2.03M · loan HK$18.28M · min. income ≈ HK$195,516/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$781,184 · Scale 2, in force from 26 Feb 2026)