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$46,330
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$47,771
−HK$1,464/mo
Today · 4.125%
HK$49,235
baseline
▲ 0.50% · 4.625%
HK$52,231
+HK$2,996/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$98,470/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$781,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,541
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,924
−HK$1,402/mo
Today · 4.125%
HK$54,326
baseline
▲ 0.50% · 4.625%
HK$57,190
+HK$2,864/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$108,652/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$781,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,596
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$57,325
−HK$1,757/mo
Today · 4.125%
HK$59,082
baseline
▲ 0.50% · 4.625%
HK$62,677
+HK$3,595/mo
Deposit HK$8.13M · loan HK$12.19M · min. income ≈ HK$118,164/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$781,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,850
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,509
−HK$1,682/mo
Today · 4.125%
HK$65,191
baseline
▲ 0.50% · 4.625%
HK$68,628
+HK$3,437/mo
Deposit HK$8.13M · loan HK$12.19M · min. income ≈ HK$130,382/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$781,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,862
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$66,879
−HK$2,050/mo
Today · 4.125%
HK$68,929
baseline
▲ 0.50% · 4.625%
HK$73,123
+HK$4,194/mo
Deposit HK$6.10M · loan HK$14.22M · min. income ≈ HK$137,858/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$781,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,158
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$74,093
−HK$1,964/mo
Today · 4.125%
HK$76,057
baseline
▲ 0.50% · 4.625%
HK$80,066
+HK$4,009/mo
Deposit HK$6.10M · loan HK$14.22M · min. income ≈ HK$152,114/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$781,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,394
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$85,988
−HK$2,635/mo
Today · 4.125%
HK$88,623
baseline
▲ 0.50% · 4.625%
HK$94,016
+HK$5,393/mo
Deposit HK$2.03M · loan HK$18.29M · min. income ≈ HK$177,246/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$781,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,775
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$95,263
−HK$2,524/mo
Today · 4.125%
HK$97,787
baseline
▲ 0.50% · 4.625%
HK$102,942
+HK$5,155/mo
Deposit HK$2.03M · loan HK$18.29M · min. income ≈ HK$195,574/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$781,783 · Scale 2, in force from 26 Feb 2026)