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$46,278
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,717
−HK$1,463/mo
Today · 4.125%
HK$49,180
baseline
▲ 0.50% · 4.625%
HK$52,172
+HK$2,992/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$98,360/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$779,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,483
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,864
−HK$1,401/mo
Today · 4.125%
HK$54,265
baseline
▲ 0.50% · 4.625%
HK$57,125
+HK$2,860/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$108,530/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$779,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,533
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$57,260
−HK$1,755/mo
Today · 4.125%
HK$59,015
baseline
▲ 0.50% · 4.625%
HK$62,606
+HK$3,591/mo
Deposit HK$8.12M · loan HK$12.18M · min. income ≈ HK$118,030/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$779,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,780
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$63,437
−HK$1,681/mo
Today · 4.125%
HK$65,118
baseline
▲ 0.50% · 4.625%
HK$68,550
+HK$3,432/mo
Deposit HK$8.12M · loan HK$12.18M · min. income ≈ HK$130,236/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$779,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,789
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$66,804
−HK$2,047/mo
Today · 4.125%
HK$68,851
baseline
▲ 0.50% · 4.625%
HK$73,041
+HK$4,190/mo
Deposit HK$6.09M · loan HK$14.21M · min. income ≈ HK$137,702/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$779,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,077
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$74,010
−HK$1,961/mo
Today · 4.125%
HK$75,971
baseline
▲ 0.50% · 4.625%
HK$79,975
+HK$4,004/mo
Deposit HK$6.09M · loan HK$14.21M · min. income ≈ HK$151,942/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$779,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,300
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$85,891
−HK$2,632/mo
Today · 4.125%
HK$88,523
baseline
▲ 0.50% · 4.625%
HK$93,910
+HK$5,387/mo
Deposit HK$2.03M · loan HK$18.27M · min. income ≈ HK$177,046/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$779,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,670
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$95,155
−HK$2,522/mo
Today · 4.125%
HK$97,677
baseline
▲ 0.50% · 4.625%
HK$102,825
+HK$5,148/mo
Deposit HK$2.03M · loan HK$18.27M · min. income ≈ HK$195,354/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$779,489 · Scale 2, in force from 26 Feb 2026)