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$46,365
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,807
−HK$1,465/mo
Today · 4.125%
HK$49,272
baseline
▲ 0.50% · 4.625%
HK$52,271
+HK$2,999/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$98,544/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$783,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,581
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$52,964
−HK$1,403/mo
Today · 4.125%
HK$54,367
baseline
▲ 0.50% · 4.625%
HK$57,233
+HK$2,866/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$108,734/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$783,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,638
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$57,369
−HK$1,758/mo
Today · 4.125%
HK$59,127
baseline
▲ 0.50% · 4.625%
HK$62,725
+HK$3,598/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$118,254/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$783,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,897
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$63,557
−HK$1,684/mo
Today · 4.125%
HK$65,241
baseline
▲ 0.50% · 4.625%
HK$68,680
+HK$3,439/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$130,482/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$783,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,911
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$66,930
−HK$2,051/mo
Today · 4.125%
HK$68,981
baseline
▲ 0.50% · 4.625%
HK$73,179
+HK$4,198/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$137,962/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$783,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,213
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$74,150
−HK$1,964/mo
Today · 4.125%
HK$76,114
baseline
▲ 0.50% · 4.625%
HK$80,126
+HK$4,012/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$152,228/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$783,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,457
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$86,053
−HK$2,637/mo
Today · 4.125%
HK$88,690
baseline
▲ 0.50% · 4.625%
HK$94,087
+HK$5,397/mo
Deposit HK$2.03M · loan HK$18.30M · min. income ≈ HK$177,380/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$783,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,845
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$95,335
−HK$2,526/mo
Today · 4.125%
HK$97,861
baseline
▲ 0.50% · 4.625%
HK$103,020
+HK$5,159/mo
Deposit HK$2.03M · loan HK$18.30M · min. income ≈ HK$195,722/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$783,323 · Scale 2, in force from 26 Feb 2026)