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$46,162
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,598
−HK$1,459/mo
Today · 4.125%
HK$49,057
baseline
▲ 0.50% · 4.625%
HK$52,042
+HK$2,985/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$98,114/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$774,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,355
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,732
−HK$1,398/mo
Today · 4.125%
HK$54,130
baseline
▲ 0.50% · 4.625%
HK$56,983
+HK$2,853/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$108,260/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$774,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,395
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$57,118
−HK$1,751/mo
Today · 4.125%
HK$58,869
baseline
▲ 0.50% · 4.625%
HK$62,451
+HK$3,582/mo
Deposit HK$8.10M · loan HK$12.15M · min. income ≈ HK$117,738/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$774,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,626
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,279
−HK$1,677/mo
Today · 4.125%
HK$64,956
baseline
▲ 0.50% · 4.625%
HK$68,379
+HK$3,423/mo
Deposit HK$8.10M · loan HK$12.15M · min. income ≈ HK$129,912/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$774,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,627
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$66,638
−HK$2,042/mo
Today · 4.125%
HK$68,680
baseline
▲ 0.50% · 4.625%
HK$72,859
+HK$4,179/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$137,360/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$774,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,897
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$73,825
−HK$1,957/mo
Today · 4.125%
HK$75,782
baseline
▲ 0.50% · 4.625%
HK$79,776
+HK$3,994/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$151,564/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$774,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,092
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$85,677
−HK$2,626/mo
Today · 4.125%
HK$88,303
baseline
▲ 0.50% · 4.625%
HK$93,676
+HK$5,373/mo
Deposit HK$2.02M · loan HK$18.22M · min. income ≈ HK$176,606/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$774,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,439
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$94,918
−HK$2,515/mo
Today · 4.125%
HK$97,433
baseline
▲ 0.50% · 4.625%
HK$102,569
+HK$5,136/mo
Deposit HK$2.02M · loan HK$18.22M · min. income ≈ HK$194,866/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$774,435 · Scale 2, in force from 26 Feb 2026)