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$46,284
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,723
−HK$1,463/mo
Today · 4.125%
HK$49,186
baseline
▲ 0.50% · 4.625%
HK$52,179
+HK$2,993/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$98,372/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$779,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,490
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,871
−HK$1,401/mo
Today · 4.125%
HK$54,272
baseline
▲ 0.50% · 4.625%
HK$57,133
+HK$2,861/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$108,544/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$779,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,540
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$57,268
−HK$1,755/mo
Today · 4.125%
HK$59,023
baseline
▲ 0.50% · 4.625%
HK$62,615
+HK$3,592/mo
Deposit HK$8.12M · loan HK$12.18M · min. income ≈ HK$118,046/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$779,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,788
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$63,445
−HK$1,681/mo
Today · 4.125%
HK$65,126
baseline
▲ 0.50% · 4.625%
HK$68,559
+HK$3,433/mo
Deposit HK$8.12M · loan HK$12.18M · min. income ≈ HK$130,252/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$779,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,797
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$66,813
−HK$2,047/mo
Today · 4.125%
HK$68,860
baseline
▲ 0.50% · 4.625%
HK$73,050
+HK$4,190/mo
Deposit HK$6.09M · loan HK$14.21M · min. income ≈ HK$137,720/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$779,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,086
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$74,019
−HK$1,962/mo
Today · 4.125%
HK$75,981
baseline
▲ 0.50% · 4.625%
HK$79,986
+HK$4,005/mo
Deposit HK$6.09M · loan HK$14.21M · min. income ≈ HK$151,962/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$779,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,311
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$85,902
−HK$2,633/mo
Today · 4.125%
HK$88,535
baseline
▲ 0.50% · 4.625%
HK$93,922
+HK$5,387/mo
Deposit HK$2.03M · loan HK$18.27M · min. income ≈ HK$177,070/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$779,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,682
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$95,168
−HK$2,522/mo
Today · 4.125%
HK$97,690
baseline
▲ 0.50% · 4.625%
HK$102,839
+HK$5,149/mo
Deposit HK$2.03M · loan HK$18.27M · min. income ≈ HK$195,380/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$779,758 · Scale 2, in force from 26 Feb 2026)