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$46,320
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$47,761
−HK$1,464/mo
Today · 4.125%
HK$49,225
baseline
▲ 0.50% · 4.625%
HK$52,220
+HK$2,995/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$98,450/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$781,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,531
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$52,913
−HK$1,402/mo
Today · 4.125%
HK$54,315
baseline
▲ 0.50% · 4.625%
HK$57,178
+HK$2,863/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$108,630/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$781,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,584
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$57,313
−HK$1,757/mo
Today · 4.125%
HK$59,070
baseline
▲ 0.50% · 4.625%
HK$62,664
+HK$3,594/mo
Deposit HK$8.13M · loan HK$12.19M · min. income ≈ HK$118,140/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$781,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,837
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,495
−HK$1,683/mo
Today · 4.125%
HK$65,178
baseline
▲ 0.50% · 4.625%
HK$68,613
+HK$3,435/mo
Deposit HK$8.13M · loan HK$12.19M · min. income ≈ HK$130,356/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$781,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,848
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$66,866
−HK$2,049/mo
Today · 4.125%
HK$68,915
baseline
▲ 0.50% · 4.625%
HK$73,108
+HK$4,193/mo
Deposit HK$6.09M · loan HK$14.22M · min. income ≈ HK$137,830/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$781,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,143
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$74,078
−HK$1,963/mo
Today · 4.125%
HK$76,041
baseline
▲ 0.50% · 4.625%
HK$80,049
+HK$4,008/mo
Deposit HK$6.09M · loan HK$14.22M · min. income ≈ HK$152,082/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$781,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,376
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$85,970
−HK$2,635/mo
Today · 4.125%
HK$88,605
baseline
▲ 0.50% · 4.625%
HK$93,996
+HK$5,391/mo
Deposit HK$2.03M · loan HK$18.28M · min. income ≈ HK$177,210/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$781,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,756
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$95,243
−HK$2,524/mo
Today · 4.125%
HK$97,767
baseline
▲ 0.50% · 4.625%
HK$102,920
+HK$5,153/mo
Deposit HK$2.03M · loan HK$18.28M · min. income ≈ HK$195,534/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$781,363 · Scale 2, in force from 26 Feb 2026)