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$46,172
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,608
−HK$1,459/mo
Today · 4.125%
HK$49,067
baseline
▲ 0.50% · 4.625%
HK$52,053
+HK$2,986/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$98,134/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$774,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,365
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,743
−HK$1,398/mo
Today · 4.125%
HK$54,141
baseline
▲ 0.50% · 4.625%
HK$56,994
+HK$2,853/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$108,282/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$774,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,406
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$57,129
−HK$1,751/mo
Today · 4.125%
HK$58,880
baseline
▲ 0.50% · 4.625%
HK$62,463
+HK$3,583/mo
Deposit HK$8.10M · loan HK$12.15M · min. income ≈ HK$117,760/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$774,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,639
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,292
−HK$1,677/mo
Today · 4.125%
HK$64,969
baseline
▲ 0.50% · 4.625%
HK$68,393
+HK$3,424/mo
Deposit HK$8.10M · loan HK$12.15M · min. income ≈ HK$129,938/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$774,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,640
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$66,651
−HK$2,043/mo
Today · 4.125%
HK$68,694
baseline
▲ 0.50% · 4.625%
HK$72,874
+HK$4,180/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$137,388/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$774,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,912
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$73,840
−HK$1,957/mo
Today · 4.125%
HK$75,797
baseline
▲ 0.50% · 4.625%
HK$79,792
+HK$3,995/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$151,594/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$774,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,109
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$85,694
−HK$2,627/mo
Today · 4.125%
HK$88,321
baseline
▲ 0.50% · 4.625%
HK$93,695
+HK$5,374/mo
Deposit HK$2.02M · loan HK$18.22M · min. income ≈ HK$176,642/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$774,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,458
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$94,938
−HK$2,515/mo
Today · 4.125%
HK$97,453
baseline
▲ 0.50% · 4.625%
HK$102,590
+HK$5,137/mo
Deposit HK$2.02M · loan HK$18.22M · min. income ≈ HK$194,906/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$774,845 · Scale 2, in force from 26 Feb 2026)