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$46,520
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,967
−HK$1,470/mo
Today · 4.125%
HK$49,437
baseline
▲ 0.50% · 4.625%
HK$52,445
+HK$3,008/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$98,874/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$790,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,753
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,141
−HK$1,408/mo
Today · 4.125%
HK$54,549
baseline
▲ 0.50% · 4.625%
HK$57,424
+HK$2,875/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$109,098/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$790,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,824
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$57,560
−HK$1,764/mo
Today · 4.125%
HK$59,324
baseline
▲ 0.50% · 4.625%
HK$62,934
+HK$3,610/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$118,648/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$790,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,103
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,769
−HK$1,690/mo
Today · 4.125%
HK$65,459
baseline
▲ 0.50% · 4.625%
HK$68,909
+HK$3,450/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$130,918/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$790,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,128
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,154
−HK$2,058/mo
Today · 4.125%
HK$69,212
baseline
▲ 0.50% · 4.625%
HK$73,423
+HK$4,211/mo
Deposit HK$6.12M · loan HK$14.28M · min. income ≈ HK$138,424/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$790,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,454
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,397
−HK$1,972/mo
Today · 4.125%
HK$76,369
baseline
▲ 0.50% · 4.625%
HK$80,394
+HK$4,025/mo
Deposit HK$6.12M · loan HK$14.28M · min. income ≈ HK$152,738/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$790,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,736
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$86,340
−HK$2,647/mo
Today · 4.125%
HK$88,987
baseline
▲ 0.50% · 4.625%
HK$94,401
+HK$5,414/mo
Deposit HK$2.04M · loan HK$18.36M · min. income ≈ HK$177,974/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$790,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,155
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$95,654
−HK$2,534/mo
Today · 4.125%
HK$98,188
baseline
▲ 0.50% · 4.625%
HK$103,364
+HK$5,176/mo
Deposit HK$2.04M · loan HK$18.36M · min. income ≈ HK$196,376/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$790,116 · Scale 2, in force from 26 Feb 2026)