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$46,347
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,788
−HK$1,465/mo
Today · 4.125%
HK$49,253
baseline
▲ 0.50% · 4.625%
HK$52,250
+HK$2,997/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$98,506/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$782,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,560
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$52,943
−HK$1,403/mo
Today · 4.125%
HK$54,346
baseline
▲ 0.50% · 4.625%
HK$57,210
+HK$2,864/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$108,692/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$782,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,616
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$57,346
−HK$1,758/mo
Today · 4.125%
HK$59,104
baseline
▲ 0.50% · 4.625%
HK$62,700
+HK$3,596/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$118,208/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$782,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,872
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,532
−HK$1,683/mo
Today · 4.125%
HK$65,215
baseline
▲ 0.50% · 4.625%
HK$68,652
+HK$3,437/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$130,430/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$782,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,885
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$66,904
−HK$2,050/mo
Today · 4.125%
HK$68,954
baseline
▲ 0.50% · 4.625%
HK$73,150
+HK$4,196/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$137,908/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$782,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,184
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$74,120
−HK$1,964/mo
Today · 4.125%
HK$76,084
baseline
▲ 0.50% · 4.625%
HK$80,095
+HK$4,011/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$152,168/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$782,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,424
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$86,019
−HK$2,636/mo
Today · 4.125%
HK$88,655
baseline
▲ 0.50% · 4.625%
HK$94,050
+HK$5,395/mo
Deposit HK$2.03M · loan HK$18.29M · min. income ≈ HK$177,310/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$782,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,808
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$95,297
−HK$2,525/mo
Today · 4.125%
HK$97,822
baseline
▲ 0.50% · 4.625%
HK$102,979
+HK$5,157/mo
Deposit HK$2.03M · loan HK$18.29M · min. income ≈ HK$195,644/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$782,517 · Scale 2, in force from 26 Feb 2026)