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$46,320
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,760
−HK$1,464/mo
Today · 4.125%
HK$49,224
baseline
▲ 0.50% · 4.625%
HK$52,219
+HK$2,995/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$98,448/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$781,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,530
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$52,912
−HK$1,402/mo
Today · 4.125%
HK$54,314
baseline
▲ 0.50% · 4.625%
HK$57,177
+HK$2,863/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$108,628/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$781,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,584
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,312
−HK$1,757/mo
Today · 4.125%
HK$59,069
baseline
▲ 0.50% · 4.625%
HK$62,663
+HK$3,594/mo
Deposit HK$8.13M · loan HK$12.19M · min. income ≈ HK$118,138/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$781,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,836
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,495
−HK$1,682/mo
Today · 4.125%
HK$65,177
baseline
▲ 0.50% · 4.625%
HK$68,612
+HK$3,435/mo
Deposit HK$8.13M · loan HK$12.19M · min. income ≈ HK$130,354/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$781,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,847
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$66,865
−HK$2,049/mo
Today · 4.125%
HK$68,914
baseline
▲ 0.50% · 4.625%
HK$73,107
+HK$4,193/mo
Deposit HK$6.09M · loan HK$14.22M · min. income ≈ HK$137,828/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$781,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,142
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$74,077
−HK$1,963/mo
Today · 4.125%
HK$76,040
baseline
▲ 0.50% · 4.625%
HK$80,048
+HK$4,008/mo
Deposit HK$6.09M · loan HK$14.22M · min. income ≈ HK$152,080/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$781,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,375
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$85,969
−HK$2,635/mo
Today · 4.125%
HK$88,604
baseline
▲ 0.50% · 4.625%
HK$93,995
+HK$5,391/mo
Deposit HK$2.03M · loan HK$18.28M · min. income ≈ HK$177,208/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$781,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,754
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$95,242
−HK$2,523/mo
Today · 4.125%
HK$97,765
baseline
▲ 0.50% · 4.625%
HK$102,919
+HK$5,154/mo
Deposit HK$2.03M · loan HK$18.28M · min. income ≈ HK$195,530/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$781,333 · Scale 2, in force from 26 Feb 2026)