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$46,302
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$47,742
−HK$1,463/mo
Today · 4.125%
HK$49,205
baseline
▲ 0.50% · 4.625%
HK$52,199
+HK$2,994/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$98,410/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$780,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,510
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,892
−HK$1,401/mo
Today · 4.125%
HK$54,293
baseline
▲ 0.50% · 4.625%
HK$57,155
+HK$2,862/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$108,586/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$780,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,562
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,291
−HK$1,756/mo
Today · 4.125%
HK$59,047
baseline
▲ 0.50% · 4.625%
HK$62,639
+HK$3,592/mo
Deposit HK$8.12M · loan HK$12.18M · min. income ≈ HK$118,094/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$780,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,812
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,470
−HK$1,682/mo
Today · 4.125%
HK$65,152
baseline
▲ 0.50% · 4.625%
HK$68,586
+HK$3,434/mo
Deposit HK$8.12M · loan HK$12.18M · min. income ≈ HK$130,304/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$780,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,823
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$66,839
−HK$2,049/mo
Today · 4.125%
HK$68,888
baseline
▲ 0.50% · 4.625%
HK$73,079
+HK$4,191/mo
Deposit HK$6.09M · loan HK$14.21M · min. income ≈ HK$137,776/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$780,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,115
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$74,049
−HK$1,962/mo
Today · 4.125%
HK$76,011
baseline
▲ 0.50% · 4.625%
HK$80,017
+HK$4,006/mo
Deposit HK$6.09M · loan HK$14.21M · min. income ≈ HK$152,022/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$780,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,343
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$85,936
−HK$2,634/mo
Today · 4.125%
HK$88,570
baseline
▲ 0.50% · 4.625%
HK$93,959
+HK$5,389/mo
Deposit HK$2.03M · loan HK$18.28M · min. income ≈ HK$177,140/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$780,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,719
−HK$5,009/mo
▼ 0.25% · 3.875%
HK$95,205
−HK$2,523/mo
Today · 4.125%
HK$97,728
baseline
▲ 0.50% · 4.625%
HK$102,879
+HK$5,151/mo
Deposit HK$2.03M · loan HK$18.28M · min. income ≈ HK$195,456/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$780,557 · Scale 2, in force from 26 Feb 2026)