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$46,312
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,752
−HK$1,464/mo
Today · 4.125%
HK$49,216
baseline
▲ 0.50% · 4.625%
HK$52,210
+HK$2,994/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$98,432/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$780,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,521
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$52,903
−HK$1,402/mo
Today · 4.125%
HK$54,305
baseline
▲ 0.50% · 4.625%
HK$57,167
+HK$2,862/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$108,610/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$780,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,574
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,303
−HK$1,756/mo
Today · 4.125%
HK$59,059
baseline
▲ 0.50% · 4.625%
HK$62,652
+HK$3,593/mo
Deposit HK$8.12M · loan HK$12.19M · min. income ≈ HK$118,118/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$780,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,825
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,484
−HK$1,682/mo
Today · 4.125%
HK$65,166
baseline
▲ 0.50% · 4.625%
HK$68,601
+HK$3,435/mo
Deposit HK$8.12M · loan HK$12.19M · min. income ≈ HK$130,332/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$780,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,836
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$66,853
−HK$2,049/mo
Today · 4.125%
HK$68,902
baseline
▲ 0.50% · 4.625%
HK$73,095
+HK$4,193/mo
Deposit HK$6.09M · loan HK$14.22M · min. income ≈ HK$137,804/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$780,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,130
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$74,064
−HK$1,963/mo
Today · 4.125%
HK$76,027
baseline
▲ 0.50% · 4.625%
HK$80,034
+HK$4,007/mo
Deposit HK$6.09M · loan HK$14.22M · min. income ≈ HK$152,054/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$780,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,361
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$85,954
−HK$2,634/mo
Today · 4.125%
HK$88,588
baseline
▲ 0.50% · 4.625%
HK$93,979
+HK$5,391/mo
Deposit HK$2.03M · loan HK$18.28M · min. income ≈ HK$177,176/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$780,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,738
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$95,225
−HK$2,524/mo
Today · 4.125%
HK$97,749
baseline
▲ 0.50% · 4.625%
HK$102,901
+HK$5,152/mo
Deposit HK$2.03M · loan HK$18.28M · min. income ≈ HK$195,498/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$780,983 · Scale 2, in force from 26 Feb 2026)