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$46,317
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$47,758
−HK$1,464/mo
Today · 4.125%
HK$49,222
baseline
▲ 0.50% · 4.625%
HK$52,217
+HK$2,995/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$98,444/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$781,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,528
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$52,910
−HK$1,402/mo
Today · 4.125%
HK$54,312
baseline
▲ 0.50% · 4.625%
HK$57,174
+HK$2,862/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$108,624/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$781,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,581
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,310
−HK$1,756/mo
Today · 4.125%
HK$59,066
baseline
▲ 0.50% · 4.625%
HK$62,660
+HK$3,594/mo
Deposit HK$8.12M · loan HK$12.19M · min. income ≈ HK$118,132/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$781,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,833
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,491
−HK$1,683/mo
Today · 4.125%
HK$65,174
baseline
▲ 0.50% · 4.625%
HK$68,609
+HK$3,435/mo
Deposit HK$8.12M · loan HK$12.19M · min. income ≈ HK$130,348/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$781,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,844
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$66,861
−HK$2,050/mo
Today · 4.125%
HK$68,911
baseline
▲ 0.50% · 4.625%
HK$73,104
+HK$4,193/mo
Deposit HK$6.09M · loan HK$14.22M · min. income ≈ HK$137,822/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$781,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,139
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$74,073
−HK$1,963/mo
Today · 4.125%
HK$76,036
baseline
▲ 0.50% · 4.625%
HK$80,044
+HK$4,008/mo
Deposit HK$6.09M · loan HK$14.22M · min. income ≈ HK$152,072/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$781,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,371
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$85,965
−HK$2,634/mo
Today · 4.125%
HK$88,599
baseline
▲ 0.50% · 4.625%
HK$93,990
+HK$5,391/mo
Deposit HK$2.03M · loan HK$18.28M · min. income ≈ HK$177,198/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$781,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,750
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$95,237
−HK$2,524/mo
Today · 4.125%
HK$97,761
baseline
▲ 0.50% · 4.625%
HK$102,914
+HK$5,153/mo
Deposit HK$2.03M · loan HK$18.28M · min. income ≈ HK$195,522/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$781,236 · Scale 2, in force from 26 Feb 2026)