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$46,331
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,773
−HK$1,464/mo
Today · 4.125%
HK$49,237
baseline
▲ 0.50% · 4.625%
HK$52,233
+HK$2,996/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$98,474/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$781,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,543
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,926
−HK$1,402/mo
Today · 4.125%
HK$54,328
baseline
▲ 0.50% · 4.625%
HK$57,192
+HK$2,864/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$108,656/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$781,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,598
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$57,327
−HK$1,757/mo
Today · 4.125%
HK$59,084
baseline
▲ 0.50% · 4.625%
HK$62,679
+HK$3,595/mo
Deposit HK$8.13M · loan HK$12.19M · min. income ≈ HK$118,168/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$781,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,852
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$63,511
−HK$1,683/mo
Today · 4.125%
HK$65,194
baseline
▲ 0.50% · 4.625%
HK$68,630
+HK$3,436/mo
Deposit HK$8.13M · loan HK$12.19M · min. income ≈ HK$130,388/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$781,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,864
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$66,882
−HK$2,050/mo
Today · 4.125%
HK$68,932
baseline
▲ 0.50% · 4.625%
HK$73,126
+HK$4,194/mo
Deposit HK$6.10M · loan HK$14.22M · min. income ≈ HK$137,864/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$781,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,161
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$74,096
−HK$1,963/mo
Today · 4.125%
HK$76,059
baseline
▲ 0.50% · 4.625%
HK$80,068
+HK$4,009/mo
Deposit HK$6.10M · loan HK$14.22M · min. income ≈ HK$152,118/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$781,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,397
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$85,991
−HK$2,635/mo
Today · 4.125%
HK$88,626
baseline
▲ 0.50% · 4.625%
HK$94,019
+HK$5,393/mo
Deposit HK$2.03M · loan HK$18.29M · min. income ≈ HK$177,252/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$781,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,778
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$95,266
−HK$2,524/mo
Today · 4.125%
HK$97,790
baseline
▲ 0.50% · 4.625%
HK$102,945
+HK$5,155/mo
Deposit HK$2.03M · loan HK$18.29M · min. income ≈ HK$195,580/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$781,853 · Scale 2, in force from 26 Feb 2026)