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$46,372
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$47,815
−HK$1,465/mo
Today · 4.125%
HK$49,280
baseline
▲ 0.50% · 4.625%
HK$52,279
+HK$2,999/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$98,560/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$783,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,588
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,972
−HK$1,404/mo
Today · 4.125%
HK$54,376
baseline
▲ 0.50% · 4.625%
HK$57,242
+HK$2,866/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$108,752/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$783,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,646
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$57,377
−HK$1,759/mo
Today · 4.125%
HK$59,136
baseline
▲ 0.50% · 4.625%
HK$62,734
+HK$3,598/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$118,272/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$783,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,906
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$63,566
−HK$1,685/mo
Today · 4.125%
HK$65,251
baseline
▲ 0.50% · 4.625%
HK$68,690
+HK$3,439/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$130,502/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$783,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,921
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$66,940
−HK$2,052/mo
Today · 4.125%
HK$68,992
baseline
▲ 0.50% · 4.625%
HK$73,190
+HK$4,198/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$137,984/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$783,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,224
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$74,161
−HK$1,965/mo
Today · 4.125%
HK$76,126
baseline
▲ 0.50% · 4.625%
HK$80,139
+HK$4,013/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$152,252/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$783,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,470
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$86,066
−HK$2,638/mo
Today · 4.125%
HK$88,704
baseline
▲ 0.50% · 4.625%
HK$94,101
+HK$5,397/mo
Deposit HK$2.03M · loan HK$18.30M · min. income ≈ HK$177,408/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$783,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,859
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$95,350
−HK$2,526/mo
Today · 4.125%
HK$97,876
baseline
▲ 0.50% · 4.625%
HK$103,035
+HK$5,159/mo
Deposit HK$2.03M · loan HK$18.30M · min. income ≈ HK$195,752/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$783,634 · Scale 2, in force from 26 Feb 2026)