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$46,344
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,786
−HK$1,465/mo
Today · 4.125%
HK$49,251
baseline
▲ 0.50% · 4.625%
HK$52,247
+HK$2,996/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$98,502/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$782,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,558
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,940
−HK$1,403/mo
Today · 4.125%
HK$54,343
baseline
▲ 0.50% · 4.625%
HK$57,208
+HK$2,865/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$108,686/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$782,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,613
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$57,343
−HK$1,758/mo
Today · 4.125%
HK$59,101
baseline
▲ 0.50% · 4.625%
HK$62,697
+HK$3,596/mo
Deposit HK$8.13M · loan HK$12.19M · min. income ≈ HK$118,202/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$782,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,869
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,529
−HK$1,683/mo
Today · 4.125%
HK$65,212
baseline
▲ 0.50% · 4.625%
HK$68,649
+HK$3,437/mo
Deposit HK$8.13M · loan HK$12.19M · min. income ≈ HK$130,424/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$782,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,882
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$66,900
−HK$2,051/mo
Today · 4.125%
HK$68,951
baseline
▲ 0.50% · 4.625%
HK$73,146
+HK$4,195/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$137,902/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$782,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,181
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$74,117
−HK$1,963/mo
Today · 4.125%
HK$76,080
baseline
▲ 0.50% · 4.625%
HK$80,091
+HK$4,011/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$152,160/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$782,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,420
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$86,015
−HK$2,636/mo
Today · 4.125%
HK$88,651
baseline
▲ 0.50% · 4.625%
HK$94,045
+HK$5,394/mo
Deposit HK$2.03M · loan HK$18.29M · min. income ≈ HK$177,302/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$782,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,804
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$95,293
−HK$2,525/mo
Today · 4.125%
HK$97,818
baseline
▲ 0.50% · 4.625%
HK$102,974
+HK$5,156/mo
Deposit HK$2.03M · loan HK$18.29M · min. income ≈ HK$195,636/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$782,421 · Scale 2, in force from 26 Feb 2026)