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$46,383
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,826
−HK$1,466/mo
Today · 4.125%
HK$49,292
baseline
▲ 0.50% · 4.625%
HK$52,291
+HK$2,999/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$98,584/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$784,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,601
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,985
−HK$1,404/mo
Today · 4.125%
HK$54,389
baseline
▲ 0.50% · 4.625%
HK$57,255
+HK$2,866/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$108,778/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$784,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,660
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$57,391
−HK$1,759/mo
Today · 4.125%
HK$59,150
baseline
▲ 0.50% · 4.625%
HK$62,749
+HK$3,599/mo
Deposit HK$8.14M · loan HK$12.20M · min. income ≈ HK$118,300/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$784,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,921
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$63,582
−HK$1,684/mo
Today · 4.125%
HK$65,266
baseline
▲ 0.50% · 4.625%
HK$68,706
+HK$3,440/mo
Deposit HK$8.14M · loan HK$12.20M · min. income ≈ HK$130,532/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$784,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,936
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$66,956
−HK$2,052/mo
Today · 4.125%
HK$69,008
baseline
▲ 0.50% · 4.625%
HK$73,207
+HK$4,199/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$138,016/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$784,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,241
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$74,178
−HK$1,966/mo
Today · 4.125%
HK$76,144
baseline
▲ 0.50% · 4.625%
HK$80,158
+HK$4,014/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$152,288/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$784,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,490
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$86,086
−HK$2,639/mo
Today · 4.125%
HK$88,725
baseline
▲ 0.50% · 4.625%
HK$94,124
+HK$5,399/mo
Deposit HK$2.03M · loan HK$18.31M · min. income ≈ HK$177,450/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$784,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,881
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$95,372
−HK$2,527/mo
Today · 4.125%
HK$97,899
baseline
▲ 0.50% · 4.625%
HK$103,060
+HK$5,161/mo
Deposit HK$2.03M · loan HK$18.31M · min. income ≈ HK$195,798/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$784,116 · Scale 2, in force from 26 Feb 2026)