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$46,152
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,587
−HK$1,459/mo
Today · 4.125%
HK$49,046
baseline
▲ 0.50% · 4.625%
HK$52,030
+HK$2,984/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$98,092/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$773,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,343
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$52,720
−HK$1,397/mo
Today · 4.125%
HK$54,117
baseline
▲ 0.50% · 4.625%
HK$56,970
+HK$2,853/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$108,234/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$773,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,382
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,105
−HK$1,750/mo
Today · 4.125%
HK$58,855
baseline
▲ 0.50% · 4.625%
HK$62,436
+HK$3,581/mo
Deposit HK$8.10M · loan HK$12.14M · min. income ≈ HK$117,710/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$773,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,612
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$63,264
−HK$1,676/mo
Today · 4.125%
HK$64,940
baseline
▲ 0.50% · 4.625%
HK$68,364
+HK$3,424/mo
Deposit HK$8.10M · loan HK$12.14M · min. income ≈ HK$129,880/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$773,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,612
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$66,622
−HK$2,042/mo
Today · 4.125%
HK$68,664
baseline
▲ 0.50% · 4.625%
HK$72,842
+HK$4,178/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$137,328/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$773,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,880
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$73,808
−HK$1,956/mo
Today · 4.125%
HK$75,764
baseline
▲ 0.50% · 4.625%
HK$79,757
+HK$3,993/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$151,528/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$773,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,073
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$85,657
−HK$2,625/mo
Today · 4.125%
HK$88,282
baseline
▲ 0.50% · 4.625%
HK$93,654
+HK$5,372/mo
Deposit HK$2.02M · loan HK$18.22M · min. income ≈ HK$176,564/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$773,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,418
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$94,896
−HK$2,515/mo
Today · 4.125%
HK$97,411
baseline
▲ 0.50% · 4.625%
HK$102,545
+HK$5,134/mo
Deposit HK$2.02M · loan HK$18.22M · min. income ≈ HK$194,822/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$773,962 · Scale 2, in force from 26 Feb 2026)