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$46,141
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$47,576
−HK$1,458/mo
Today · 4.125%
HK$49,034
baseline
▲ 0.50% · 4.625%
HK$52,018
+HK$2,984/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$98,068/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$773,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,331
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,708
−HK$1,396/mo
Today · 4.125%
HK$54,104
baseline
▲ 0.50% · 4.625%
HK$56,956
+HK$2,852/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$108,208/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$773,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,369
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$57,091
−HK$1,750/mo
Today · 4.125%
HK$58,841
baseline
▲ 0.50% · 4.625%
HK$62,421
+HK$3,580/mo
Deposit HK$8.09M · loan HK$12.14M · min. income ≈ HK$117,682/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$773,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,597
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$63,249
−HK$1,676/mo
Today · 4.125%
HK$64,925
baseline
▲ 0.50% · 4.625%
HK$68,347
+HK$3,422/mo
Deposit HK$8.09M · loan HK$12.14M · min. income ≈ HK$129,850/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$773,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,597
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$66,606
−HK$2,042/mo
Today · 4.125%
HK$68,648
baseline
▲ 0.50% · 4.625%
HK$72,825
+HK$4,177/mo
Deposit HK$6.07M · loan HK$14.16M · min. income ≈ HK$137,296/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$773,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,863
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$73,791
−HK$1,955/mo
Today · 4.125%
HK$75,746
baseline
▲ 0.50% · 4.625%
HK$79,739
+HK$3,993/mo
Deposit HK$6.07M · loan HK$14.16M · min. income ≈ HK$151,492/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$773,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,053
−HK$5,208/mo
▼ 0.25% · 3.875%
HK$85,637
−HK$2,624/mo
Today · 4.125%
HK$88,261
baseline
▲ 0.50% · 4.625%
HK$93,632
+HK$5,371/mo
Deposit HK$2.02M · loan HK$18.21M · min. income ≈ HK$176,522/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$773,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,396
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$94,874
−HK$2,514/mo
Today · 4.125%
HK$97,388
baseline
▲ 0.50% · 4.625%
HK$102,521
+HK$5,133/mo
Deposit HK$2.02M · loan HK$18.21M · min. income ≈ HK$194,776/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$773,484 · Scale 2, in force from 26 Feb 2026)