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$46,297
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$47,737
−HK$1,463/mo
Today · 4.125%
HK$49,200
baseline
▲ 0.50% · 4.625%
HK$52,194
+HK$2,994/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$98,400/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$780,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,505
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,887
−HK$1,401/mo
Today · 4.125%
HK$54,288
baseline
▲ 0.50% · 4.625%
HK$57,149
+HK$2,861/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$108,576/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$780,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,557
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$57,285
−HK$1,756/mo
Today · 4.125%
HK$59,041
baseline
▲ 0.50% · 4.625%
HK$62,633
+HK$3,592/mo
Deposit HK$8.12M · loan HK$12.18M · min. income ≈ HK$118,082/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$780,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,806
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$63,464
−HK$1,681/mo
Today · 4.125%
HK$65,145
baseline
▲ 0.50% · 4.625%
HK$68,579
+HK$3,434/mo
Deposit HK$8.12M · loan HK$12.18M · min. income ≈ HK$130,290/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$780,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,816
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$66,832
−HK$2,049/mo
Today · 4.125%
HK$68,881
baseline
▲ 0.50% · 4.625%
HK$73,072
+HK$4,191/mo
Deposit HK$6.09M · loan HK$14.21M · min. income ≈ HK$137,762/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$780,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,107
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$74,041
−HK$1,962/mo
Today · 4.125%
HK$76,003
baseline
▲ 0.50% · 4.625%
HK$80,009
+HK$4,006/mo
Deposit HK$6.09M · loan HK$14.21M · min. income ≈ HK$152,006/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$780,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,335
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$85,927
−HK$2,634/mo
Today · 4.125%
HK$88,561
baseline
▲ 0.50% · 4.625%
HK$93,949
+HK$5,388/mo
Deposit HK$2.03M · loan HK$18.27M · min. income ≈ HK$177,122/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$780,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,709
−HK$5,009/mo
▼ 0.25% · 3.875%
HK$95,196
−HK$2,522/mo
Today · 4.125%
HK$97,718
baseline
▲ 0.50% · 4.625%
HK$102,869
+HK$5,151/mo
Deposit HK$2.03M · loan HK$18.27M · min. income ≈ HK$195,436/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$780,351 · Scale 2, in force from 26 Feb 2026)