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$46,312
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,753
−HK$1,463/mo
Today · 4.125%
HK$49,216
baseline
▲ 0.50% · 4.625%
HK$52,211
+HK$2,995/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$98,432/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$781,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,522
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,904
−HK$1,401/mo
Today · 4.125%
HK$54,305
baseline
▲ 0.50% · 4.625%
HK$57,168
+HK$2,863/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$108,610/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$781,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,575
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,303
−HK$1,757/mo
Today · 4.125%
HK$59,060
baseline
▲ 0.50% · 4.625%
HK$62,653
+HK$3,593/mo
Deposit HK$8.12M · loan HK$12.19M · min. income ≈ HK$118,120/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$781,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,826
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,484
−HK$1,682/mo
Today · 4.125%
HK$65,166
baseline
▲ 0.50% · 4.625%
HK$68,601
+HK$3,435/mo
Deposit HK$8.12M · loan HK$12.19M · min. income ≈ HK$130,332/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$781,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,837
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$66,854
−HK$2,049/mo
Today · 4.125%
HK$68,903
baseline
▲ 0.50% · 4.625%
HK$73,095
+HK$4,192/mo
Deposit HK$6.09M · loan HK$14.22M · min. income ≈ HK$137,806/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$781,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,131
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$74,065
−HK$1,963/mo
Today · 4.125%
HK$76,028
baseline
▲ 0.50% · 4.625%
HK$80,035
+HK$4,007/mo
Deposit HK$6.09M · loan HK$14.22M · min. income ≈ HK$152,056/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$781,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,362
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$85,955
−HK$2,634/mo
Today · 4.125%
HK$88,589
baseline
▲ 0.50% · 4.625%
HK$93,980
+HK$5,391/mo
Deposit HK$2.03M · loan HK$18.28M · min. income ≈ HK$177,178/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$781,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,739
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$95,226
−HK$2,524/mo
Today · 4.125%
HK$97,750
baseline
▲ 0.50% · 4.625%
HK$102,902
+HK$5,152/mo
Deposit HK$2.03M · loan HK$18.28M · min. income ≈ HK$195,500/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$781,007 · Scale 2, in force from 26 Feb 2026)