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$46,298
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$47,738
−HK$1,463/mo
Today · 4.125%
HK$49,201
baseline
▲ 0.50% · 4.625%
HK$52,195
+HK$2,994/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$98,402/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$780,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,506
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,888
−HK$1,401/mo
Today · 4.125%
HK$54,289
baseline
▲ 0.50% · 4.625%
HK$57,151
+HK$2,862/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$108,578/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$780,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,558
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$57,286
−HK$1,756/mo
Today · 4.125%
HK$59,042
baseline
▲ 0.50% · 4.625%
HK$62,634
+HK$3,592/mo
Deposit HK$8.12M · loan HK$12.18M · min. income ≈ HK$118,084/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$780,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,807
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,465
−HK$1,682/mo
Today · 4.125%
HK$65,147
baseline
▲ 0.50% · 4.625%
HK$68,581
+HK$3,434/mo
Deposit HK$8.12M · loan HK$12.18M · min. income ≈ HK$130,294/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$780,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,817
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$66,834
−HK$2,048/mo
Today · 4.125%
HK$68,882
baseline
▲ 0.50% · 4.625%
HK$73,073
+HK$4,191/mo
Deposit HK$6.09M · loan HK$14.21M · min. income ≈ HK$137,764/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$780,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,109
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$74,043
−HK$1,962/mo
Today · 4.125%
HK$76,005
baseline
▲ 0.50% · 4.625%
HK$80,011
+HK$4,006/mo
Deposit HK$6.09M · loan HK$14.21M · min. income ≈ HK$152,010/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$780,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,337
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$85,929
−HK$2,634/mo
Today · 4.125%
HK$88,563
baseline
▲ 0.50% · 4.625%
HK$93,951
+HK$5,388/mo
Deposit HK$2.03M · loan HK$18.27M · min. income ≈ HK$177,126/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$780,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,711
−HK$5,009/mo
▼ 0.25% · 3.875%
HK$95,198
−HK$2,522/mo
Today · 4.125%
HK$97,720
baseline
▲ 0.50% · 4.625%
HK$102,871
+HK$5,151/mo
Deposit HK$2.03M · loan HK$18.27M · min. income ≈ HK$195,440/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$780,393 · Scale 2, in force from 26 Feb 2026)