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$46,269
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,709
−HK$1,462/mo
Today · 4.125%
HK$49,171
baseline
▲ 0.50% · 4.625%
HK$52,163
+HK$2,992/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$98,342/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$779,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,474
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,855
−HK$1,400/mo
Today · 4.125%
HK$54,255
baseline
▲ 0.50% · 4.625%
HK$57,115
+HK$2,860/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$108,510/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$779,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,523
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$57,250
−HK$1,755/mo
Today · 4.125%
HK$59,005
baseline
▲ 0.50% · 4.625%
HK$62,596
+HK$3,591/mo
Deposit HK$8.12M · loan HK$12.17M · min. income ≈ HK$118,010/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$779,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,769
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$63,426
−HK$1,680/mo
Today · 4.125%
HK$65,106
baseline
▲ 0.50% · 4.625%
HK$68,538
+HK$3,432/mo
Deposit HK$8.12M · loan HK$12.17M · min. income ≈ HK$130,212/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$779,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,777
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$66,792
−HK$2,047/mo
Today · 4.125%
HK$68,839
baseline
▲ 0.50% · 4.625%
HK$73,028
+HK$4,189/mo
Deposit HK$6.09M · loan HK$14.20M · min. income ≈ HK$137,678/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$779,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,064
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$73,997
−HK$1,960/mo
Today · 4.125%
HK$75,957
baseline
▲ 0.50% · 4.625%
HK$79,961
+HK$4,004/mo
Deposit HK$6.09M · loan HK$14.20M · min. income ≈ HK$151,914/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$779,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,285
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$85,876
−HK$2,632/mo
Today · 4.125%
HK$88,508
baseline
▲ 0.50% · 4.625%
HK$93,893
+HK$5,385/mo
Deposit HK$2.03M · loan HK$18.26M · min. income ≈ HK$177,016/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$779,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,654
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$95,139
−HK$2,521/mo
Today · 4.125%
HK$97,660
baseline
▲ 0.50% · 4.625%
HK$102,807
+HK$5,147/mo
Deposit HK$2.03M · loan HK$18.26M · min. income ≈ HK$195,320/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$779,136 · Scale 2, in force from 26 Feb 2026)