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$46,364
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,806
−HK$1,465/mo
Today · 4.125%
HK$49,271
baseline
▲ 0.50% · 4.625%
HK$52,269
+HK$2,998/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$98,542/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$783,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,579
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,962
−HK$1,404/mo
Today · 4.125%
HK$54,366
baseline
▲ 0.50% · 4.625%
HK$57,231
+HK$2,865/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$108,732/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$783,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,636
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$57,367
−HK$1,758/mo
Today · 4.125%
HK$59,125
baseline
▲ 0.50% · 4.625%
HK$62,723
+HK$3,598/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$118,250/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$783,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,895
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$63,555
−HK$1,684/mo
Today · 4.125%
HK$65,239
baseline
▲ 0.50% · 4.625%
HK$68,678
+HK$3,439/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$130,478/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$783,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,909
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$66,928
−HK$2,051/mo
Today · 4.125%
HK$68,979
baseline
▲ 0.50% · 4.625%
HK$73,177
+HK$4,198/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$137,958/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$783,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,211
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$74,147
−HK$1,965/mo
Today · 4.125%
HK$76,112
baseline
▲ 0.50% · 4.625%
HK$80,124
+HK$4,012/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$152,224/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$783,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,454
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$86,050
−HK$2,638/mo
Today · 4.125%
HK$88,688
baseline
▲ 0.50% · 4.625%
HK$94,084
+HK$5,396/mo
Deposit HK$2.03M · loan HK$18.30M · min. income ≈ HK$177,376/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$783,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,842
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$95,332
−HK$2,526/mo
Today · 4.125%
HK$97,858
baseline
▲ 0.50% · 4.625%
HK$103,016
+HK$5,158/mo
Deposit HK$2.03M · loan HK$18.30M · min. income ≈ HK$195,716/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$783,261 · Scale 2, in force from 26 Feb 2026)