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$46,168
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,604
−HK$1,459/mo
Today · 4.125%
HK$49,063
baseline
▲ 0.50% · 4.625%
HK$52,049
+HK$2,986/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$98,126/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$774,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,362
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,739
−HK$1,398/mo
Today · 4.125%
HK$54,137
baseline
▲ 0.50% · 4.625%
HK$56,990
+HK$2,853/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$108,274/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$774,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,402
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$57,125
−HK$1,751/mo
Today · 4.125%
HK$58,876
baseline
▲ 0.50% · 4.625%
HK$62,459
+HK$3,583/mo
Deposit HK$8.10M · loan HK$12.15M · min. income ≈ HK$117,752/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$774,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,634
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,287
−HK$1,677/mo
Today · 4.125%
HK$64,964
baseline
▲ 0.50% · 4.625%
HK$68,388
+HK$3,424/mo
Deposit HK$8.10M · loan HK$12.15M · min. income ≈ HK$129,928/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$774,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,636
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$66,646
−HK$2,043/mo
Today · 4.125%
HK$68,689
baseline
▲ 0.50% · 4.625%
HK$72,868
+HK$4,179/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$137,378/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$774,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,906
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$73,835
−HK$1,956/mo
Today · 4.125%
HK$75,791
baseline
▲ 0.50% · 4.625%
HK$79,786
+HK$3,995/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$151,582/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$774,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,103
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$85,688
−HK$2,626/mo
Today · 4.125%
HK$88,314
baseline
▲ 0.50% · 4.625%
HK$93,688
+HK$5,374/mo
Deposit HK$2.02M · loan HK$18.22M · min. income ≈ HK$176,628/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$774,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,451
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$94,931
−HK$2,515/mo
Today · 4.125%
HK$97,446
baseline
▲ 0.50% · 4.625%
HK$102,583
+HK$5,137/mo
Deposit HK$2.02M · loan HK$18.22M · min. income ≈ HK$194,892/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$774,698 · Scale 2, in force from 26 Feb 2026)