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$46,502
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$47,948
−HK$1,470/mo
Today · 4.125%
HK$49,418
baseline
▲ 0.50% · 4.625%
HK$52,425
+HK$3,007/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$98,836/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$789,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,733
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$53,120
−HK$1,408/mo
Today · 4.125%
HK$54,528
baseline
▲ 0.50% · 4.625%
HK$57,402
+HK$2,874/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$109,056/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$789,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,802
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$57,538
−HK$1,763/mo
Today · 4.125%
HK$59,301
baseline
▲ 0.50% · 4.625%
HK$62,910
+HK$3,609/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$118,602/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$789,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,079
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,744
−HK$1,689/mo
Today · 4.125%
HK$65,433
baseline
▲ 0.50% · 4.625%
HK$68,882
+HK$3,449/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$130,866/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$789,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,103
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$67,128
−HK$2,057/mo
Today · 4.125%
HK$69,185
baseline
▲ 0.50% · 4.625%
HK$73,395
+HK$4,210/mo
Deposit HK$6.12M · loan HK$14.28M · min. income ≈ HK$138,370/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$789,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,426
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$74,368
−HK$1,971/mo
Today · 4.125%
HK$76,339
baseline
▲ 0.50% · 4.625%
HK$80,363
+HK$4,024/mo
Deposit HK$6.12M · loan HK$14.28M · min. income ≈ HK$152,678/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$789,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,703
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$86,307
−HK$2,645/mo
Today · 4.125%
HK$88,952
baseline
▲ 0.50% · 4.625%
HK$94,365
+HK$5,413/mo
Deposit HK$2.04M · loan HK$18.35M · min. income ≈ HK$177,904/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$789,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,119
−HK$5,031/mo
▼ 0.25% · 3.875%
HK$95,616
−HK$2,534/mo
Today · 4.125%
HK$98,150
baseline
▲ 0.50% · 4.625%
HK$103,324
+HK$5,174/mo
Deposit HK$2.04M · loan HK$18.35M · min. income ≈ HK$196,300/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$789,325 · Scale 2, in force from 26 Feb 2026)