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$46,343
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,785
−HK$1,464/mo
Today · 4.125%
HK$49,249
baseline
▲ 0.50% · 4.625%
HK$52,246
+HK$2,997/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$98,498/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$782,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,556
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$52,939
−HK$1,403/mo
Today · 4.125%
HK$54,342
baseline
▲ 0.50% · 4.625%
HK$57,206
+HK$2,864/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$108,684/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$782,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,612
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$57,342
−HK$1,757/mo
Today · 4.125%
HK$59,099
baseline
▲ 0.50% · 4.625%
HK$62,695
+HK$3,596/mo
Deposit HK$8.13M · loan HK$12.19M · min. income ≈ HK$118,198/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$782,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,868
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$63,527
−HK$1,683/mo
Today · 4.125%
HK$65,210
baseline
▲ 0.50% · 4.625%
HK$68,647
+HK$3,437/mo
Deposit HK$8.13M · loan HK$12.19M · min. income ≈ HK$130,420/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$782,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,880
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$66,899
−HK$2,050/mo
Today · 4.125%
HK$68,949
baseline
▲ 0.50% · 4.625%
HK$73,144
+HK$4,195/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$137,898/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$782,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,179
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$74,115
−HK$1,963/mo
Today · 4.125%
HK$76,078
baseline
▲ 0.50% · 4.625%
HK$80,089
+HK$4,011/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$152,156/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$782,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,418
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$86,012
−HK$2,637/mo
Today · 4.125%
HK$88,649
baseline
▲ 0.50% · 4.625%
HK$94,043
+HK$5,394/mo
Deposit HK$2.03M · loan HK$18.29M · min. income ≈ HK$177,298/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$782,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,801
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$95,290
−HK$2,525/mo
Today · 4.125%
HK$97,815
baseline
▲ 0.50% · 4.625%
HK$102,971
+HK$5,156/mo
Deposit HK$2.03M · loan HK$18.29M · min. income ≈ HK$195,630/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$782,367 · Scale 2, in force from 26 Feb 2026)