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$46,533
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,981
−HK$1,470/mo
Today · 4.125%
HK$49,451
baseline
▲ 0.50% · 4.625%
HK$52,460
+HK$3,009/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$98,902/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$790,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,768
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$53,156
−HK$1,409/mo
Today · 4.125%
HK$54,565
baseline
▲ 0.50% · 4.625%
HK$57,441
+HK$2,876/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$109,130/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$790,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,840
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,577
−HK$1,765/mo
Today · 4.125%
HK$59,342
baseline
▲ 0.50% · 4.625%
HK$62,952
+HK$3,610/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$118,684/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$790,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,121
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$63,788
−HK$1,690/mo
Today · 4.125%
HK$65,478
baseline
▲ 0.50% · 4.625%
HK$68,929
+HK$3,451/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$130,956/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$790,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,147
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$67,173
−HK$2,059/mo
Today · 4.125%
HK$69,232
baseline
▲ 0.50% · 4.625%
HK$73,445
+HK$4,213/mo
Deposit HK$6.12M · loan HK$14.28M · min. income ≈ HK$138,464/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$790,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,475
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$74,419
−HK$1,972/mo
Today · 4.125%
HK$76,391
baseline
▲ 0.50% · 4.625%
HK$80,417
+HK$4,026/mo
Deposit HK$6.12M · loan HK$14.28M · min. income ≈ HK$152,782/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$790,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,760
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$86,365
−HK$2,648/mo
Today · 4.125%
HK$89,013
baseline
▲ 0.50% · 4.625%
HK$94,429
+HK$5,416/mo
Deposit HK$2.04M · loan HK$18.37M · min. income ≈ HK$178,026/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$790,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,182
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$95,681
−HK$2,536/mo
Today · 4.125%
HK$98,217
baseline
▲ 0.50% · 4.625%
HK$103,394
+HK$5,177/mo
Deposit HK$2.04M · loan HK$18.37M · min. income ≈ HK$196,434/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$790,707 · Scale 2, in force from 26 Feb 2026)