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$46,351
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,793
−HK$1,465/mo
Today · 4.125%
HK$49,258
baseline
▲ 0.50% · 4.625%
HK$52,255
+HK$2,997/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$98,516/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$782,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,565
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$52,948
−HK$1,403/mo
Today · 4.125%
HK$54,351
baseline
▲ 0.50% · 4.625%
HK$57,216
+HK$2,865/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$108,702/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$782,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,621
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$57,351
−HK$1,758/mo
Today · 4.125%
HK$59,109
baseline
▲ 0.50% · 4.625%
HK$62,706
+HK$3,597/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$118,218/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$782,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,878
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,538
−HK$1,683/mo
Today · 4.125%
HK$65,221
baseline
▲ 0.50% · 4.625%
HK$68,659
+HK$3,438/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$130,442/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$782,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,891
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$66,910
−HK$2,051/mo
Today · 4.125%
HK$68,961
baseline
▲ 0.50% · 4.625%
HK$73,157
+HK$4,196/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$137,922/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$782,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,191
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$74,127
−HK$1,964/mo
Today · 4.125%
HK$76,091
baseline
▲ 0.50% · 4.625%
HK$80,102
+HK$4,011/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$152,182/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$782,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,432
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$86,027
−HK$2,637/mo
Today · 4.125%
HK$88,664
baseline
▲ 0.50% · 4.625%
HK$94,059
+HK$5,395/mo
Deposit HK$2.03M · loan HK$18.29M · min. income ≈ HK$177,328/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$782,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,817
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$95,306
−HK$2,526/mo
Today · 4.125%
HK$97,832
baseline
▲ 0.50% · 4.625%
HK$102,989
+HK$5,157/mo
Deposit HK$2.03M · loan HK$18.29M · min. income ≈ HK$195,664/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$782,713 · Scale 2, in force from 26 Feb 2026)