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$46,293
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$47,733
−HK$1,463/mo
Today · 4.125%
HK$49,196
baseline
▲ 0.50% · 4.625%
HK$52,190
+HK$2,994/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$98,392/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$780,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,501
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,882
−HK$1,401/mo
Today · 4.125%
HK$54,283
baseline
▲ 0.50% · 4.625%
HK$57,144
+HK$2,861/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$108,566/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$780,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,552
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$57,280
−HK$1,755/mo
Today · 4.125%
HK$59,035
baseline
▲ 0.50% · 4.625%
HK$62,627
+HK$3,592/mo
Deposit HK$8.12M · loan HK$12.18M · min. income ≈ HK$118,070/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$780,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,801
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$63,458
−HK$1,682/mo
Today · 4.125%
HK$65,140
baseline
▲ 0.50% · 4.625%
HK$68,573
+HK$3,433/mo
Deposit HK$8.12M · loan HK$12.18M · min. income ≈ HK$130,280/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$780,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,810
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$66,826
−HK$2,049/mo
Today · 4.125%
HK$68,875
baseline
▲ 0.50% · 4.625%
HK$73,065
+HK$4,190/mo
Deposit HK$6.09M · loan HK$14.21M · min. income ≈ HK$137,750/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$780,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,101
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$74,035
−HK$1,961/mo
Today · 4.125%
HK$75,996
baseline
▲ 0.50% · 4.625%
HK$80,002
+HK$4,006/mo
Deposit HK$6.09M · loan HK$14.21M · min. income ≈ HK$151,992/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$780,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,328
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$85,920
−HK$2,633/mo
Today · 4.125%
HK$88,553
baseline
▲ 0.50% · 4.625%
HK$93,941
+HK$5,388/mo
Deposit HK$2.03M · loan HK$18.27M · min. income ≈ HK$177,106/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$780,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,701
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$95,187
−HK$2,522/mo
Today · 4.125%
HK$97,709
baseline
▲ 0.50% · 4.625%
HK$102,860
+HK$5,151/mo
Deposit HK$2.03M · loan HK$18.27M · min. income ≈ HK$195,418/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$780,171 · Scale 2, in force from 26 Feb 2026)