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$46,361
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,803
−HK$1,465/mo
Today · 4.125%
HK$49,268
baseline
▲ 0.50% · 4.625%
HK$52,266
+HK$2,998/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$98,536/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$783,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,576
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$52,959
−HK$1,403/mo
Today · 4.125%
HK$54,362
baseline
▲ 0.50% · 4.625%
HK$57,228
+HK$2,866/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$108,724/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$783,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,633
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$57,363
−HK$1,759/mo
Today · 4.125%
HK$59,122
baseline
▲ 0.50% · 4.625%
HK$62,719
+HK$3,597/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$118,244/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$783,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,891
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$63,551
−HK$1,684/mo
Today · 4.125%
HK$65,235
baseline
▲ 0.50% · 4.625%
HK$68,673
+HK$3,438/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$130,470/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$783,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,905
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$66,924
−HK$2,051/mo
Today · 4.125%
HK$68,975
baseline
▲ 0.50% · 4.625%
HK$73,172
+HK$4,197/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$137,950/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$783,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,206
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$74,143
−HK$1,964/mo
Today · 4.125%
HK$76,107
baseline
▲ 0.50% · 4.625%
HK$80,119
+HK$4,012/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$152,214/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$783,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,449
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$86,045
−HK$2,637/mo
Today · 4.125%
HK$88,682
baseline
▲ 0.50% · 4.625%
HK$94,078
+HK$5,396/mo
Deposit HK$2.03M · loan HK$18.30M · min. income ≈ HK$177,364/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$783,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,837
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$95,326
−HK$2,526/mo
Today · 4.125%
HK$97,852
baseline
▲ 0.50% · 4.625%
HK$103,010
+HK$5,158/mo
Deposit HK$2.03M · loan HK$18.30M · min. income ≈ HK$195,704/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$783,137 · Scale 2, in force from 26 Feb 2026)