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$46,370
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$47,812
−HK$1,466/mo
Today · 4.125%
HK$49,278
baseline
▲ 0.50% · 4.625%
HK$52,276
+HK$2,998/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$98,556/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$783,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,586
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,969
−HK$1,404/mo
Today · 4.125%
HK$54,373
baseline
▲ 0.50% · 4.625%
HK$57,239
+HK$2,866/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$108,746/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$783,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,644
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$57,375
−HK$1,758/mo
Today · 4.125%
HK$59,133
baseline
▲ 0.50% · 4.625%
HK$62,731
+HK$3,598/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$118,266/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$783,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,903
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$63,563
−HK$1,685/mo
Today · 4.125%
HK$65,248
baseline
▲ 0.50% · 4.625%
HK$68,687
+HK$3,439/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$130,496/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$783,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,918
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$66,937
−HK$2,052/mo
Today · 4.125%
HK$68,989
baseline
▲ 0.50% · 4.625%
HK$73,187
+HK$4,198/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$137,978/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$783,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,220
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$74,157
−HK$1,965/mo
Today · 4.125%
HK$76,122
baseline
▲ 0.50% · 4.625%
HK$80,135
+HK$4,013/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$152,244/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$783,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,466
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$86,062
−HK$2,638/mo
Today · 4.125%
HK$88,700
baseline
▲ 0.50% · 4.625%
HK$94,097
+HK$5,397/mo
Deposit HK$2.03M · loan HK$18.30M · min. income ≈ HK$177,400/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$783,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,855
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$95,345
−HK$2,526/mo
Today · 4.125%
HK$97,871
baseline
▲ 0.50% · 4.625%
HK$103,030
+HK$5,159/mo
Deposit HK$2.03M · loan HK$18.30M · min. income ≈ HK$195,742/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$783,537 · Scale 2, in force from 26 Feb 2026)