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$46,301
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,741
−HK$1,464/mo
Today · 4.125%
HK$49,205
baseline
▲ 0.50% · 4.625%
HK$52,199
+HK$2,994/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$98,410/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$780,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,510
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,891
−HK$1,401/mo
Today · 4.125%
HK$54,292
baseline
▲ 0.50% · 4.625%
HK$57,154
+HK$2,862/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$108,584/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$780,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,561
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,290
−HK$1,756/mo
Today · 4.125%
HK$59,046
baseline
▲ 0.50% · 4.625%
HK$62,638
+HK$3,592/mo
Deposit HK$8.12M · loan HK$12.18M · min. income ≈ HK$118,092/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$780,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,811
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,469
−HK$1,682/mo
Today · 4.125%
HK$65,151
baseline
▲ 0.50% · 4.625%
HK$68,585
+HK$3,434/mo
Deposit HK$8.12M · loan HK$12.18M · min. income ≈ HK$130,302/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$780,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,822
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$66,838
−HK$2,048/mo
Today · 4.125%
HK$68,886
baseline
▲ 0.50% · 4.625%
HK$73,078
+HK$4,192/mo
Deposit HK$6.09M · loan HK$14.21M · min. income ≈ HK$137,772/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$780,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,113
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$74,047
−HK$1,962/mo
Today · 4.125%
HK$76,009
baseline
▲ 0.50% · 4.625%
HK$80,016
+HK$4,007/mo
Deposit HK$6.09M · loan HK$14.21M · min. income ≈ HK$152,018/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$780,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,342
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$85,934
−HK$2,634/mo
Today · 4.125%
HK$88,568
baseline
▲ 0.50% · 4.625%
HK$93,958
+HK$5,390/mo
Deposit HK$2.03M · loan HK$18.27M · min. income ≈ HK$177,136/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$780,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,717
−HK$5,009/mo
▼ 0.25% · 3.875%
HK$95,204
−HK$2,522/mo
Today · 4.125%
HK$97,726
baseline
▲ 0.50% · 4.625%
HK$102,878
+HK$5,152/mo
Deposit HK$2.03M · loan HK$18.27M · min. income ≈ HK$195,452/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$780,524 · Scale 2, in force from 26 Feb 2026)