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$46,361
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$47,804
−HK$1,465/mo
Today · 4.125%
HK$49,269
baseline
▲ 0.50% · 4.625%
HK$52,267
+HK$2,998/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$98,538/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$783,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,577
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$52,960
−HK$1,403/mo
Today · 4.125%
HK$54,363
baseline
▲ 0.50% · 4.625%
HK$57,229
+HK$2,866/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$108,726/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$783,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,634
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$57,364
−HK$1,758/mo
Today · 4.125%
HK$59,122
baseline
▲ 0.50% · 4.625%
HK$62,720
+HK$3,598/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$118,244/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$783,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,892
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$63,552
−HK$1,684/mo
Today · 4.125%
HK$65,236
baseline
▲ 0.50% · 4.625%
HK$68,674
+HK$3,438/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$130,472/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$783,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,906
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$66,925
−HK$2,051/mo
Today · 4.125%
HK$68,976
baseline
▲ 0.50% · 4.625%
HK$73,173
+HK$4,197/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$137,952/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$783,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,207
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$74,144
−HK$1,964/mo
Today · 4.125%
HK$76,108
baseline
▲ 0.50% · 4.625%
HK$80,120
+HK$4,012/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$152,216/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$783,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,451
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$86,046
−HK$2,638/mo
Today · 4.125%
HK$88,684
baseline
▲ 0.50% · 4.625%
HK$94,080
+HK$5,396/mo
Deposit HK$2.03M · loan HK$18.30M · min. income ≈ HK$177,368/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$783,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,838
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$95,328
−HK$2,526/mo
Today · 4.125%
HK$97,854
baseline
▲ 0.50% · 4.625%
HK$103,012
+HK$5,158/mo
Deposit HK$2.03M · loan HK$18.30M · min. income ≈ HK$195,708/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$783,167 · Scale 2, in force from 26 Feb 2026)