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$46,322
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$47,763
−HK$1,464/mo
Today · 4.125%
HK$49,227
baseline
▲ 0.50% · 4.625%
HK$52,222
+HK$2,995/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$98,454/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$781,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,533
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$52,915
−HK$1,402/mo
Today · 4.125%
HK$54,317
baseline
▲ 0.50% · 4.625%
HK$57,180
+HK$2,863/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$108,634/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$781,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,586
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$57,315
−HK$1,757/mo
Today · 4.125%
HK$59,072
baseline
▲ 0.50% · 4.625%
HK$62,666
+HK$3,594/mo
Deposit HK$8.13M · loan HK$12.19M · min. income ≈ HK$118,144/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$781,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,839
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,498
−HK$1,682/mo
Today · 4.125%
HK$65,180
baseline
▲ 0.50% · 4.625%
HK$68,616
+HK$3,436/mo
Deposit HK$8.13M · loan HK$12.19M · min. income ≈ HK$130,360/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$781,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,851
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$66,868
−HK$2,049/mo
Today · 4.125%
HK$68,917
baseline
▲ 0.50% · 4.625%
HK$73,111
+HK$4,194/mo
Deposit HK$6.09M · loan HK$14.22M · min. income ≈ HK$137,834/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$781,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,146
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$74,081
−HK$1,963/mo
Today · 4.125%
HK$76,044
baseline
▲ 0.50% · 4.625%
HK$80,052
+HK$4,008/mo
Deposit HK$6.09M · loan HK$14.22M · min. income ≈ HK$152,088/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$781,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,379
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$85,973
−HK$2,635/mo
Today · 4.125%
HK$88,608
baseline
▲ 0.50% · 4.625%
HK$94,000
+HK$5,392/mo
Deposit HK$2.03M · loan HK$18.28M · min. income ≈ HK$177,216/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$781,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,759
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$95,247
−HK$2,523/mo
Today · 4.125%
HK$97,770
baseline
▲ 0.50% · 4.625%
HK$102,924
+HK$5,154/mo
Deposit HK$2.03M · loan HK$18.28M · min. income ≈ HK$195,540/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$781,435 · Scale 2, in force from 26 Feb 2026)