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$46,516
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,963
−HK$1,470/mo
Today · 4.125%
HK$49,433
baseline
▲ 0.50% · 4.625%
HK$52,441
+HK$3,008/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$98,866/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$789,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,749
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,137
−HK$1,408/mo
Today · 4.125%
HK$54,545
baseline
▲ 0.50% · 4.625%
HK$57,420
+HK$2,875/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$109,090/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$789,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,820
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$57,556
−HK$1,764/mo
Today · 4.125%
HK$59,320
baseline
▲ 0.50% · 4.625%
HK$62,929
+HK$3,609/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$118,640/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$789,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,099
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,764
−HK$1,690/mo
Today · 4.125%
HK$65,454
baseline
▲ 0.50% · 4.625%
HK$68,904
+HK$3,450/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$130,908/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$789,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,123
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,149
−HK$2,058/mo
Today · 4.125%
HK$69,207
baseline
▲ 0.50% · 4.625%
HK$73,418
+HK$4,211/mo
Deposit HK$6.12M · loan HK$14.28M · min. income ≈ HK$138,414/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$789,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,448
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,392
−HK$1,971/mo
Today · 4.125%
HK$76,363
baseline
▲ 0.50% · 4.625%
HK$80,388
+HK$4,025/mo
Deposit HK$6.12M · loan HK$14.28M · min. income ≈ HK$152,726/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$789,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,729
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$86,334
−HK$2,646/mo
Today · 4.125%
HK$88,980
baseline
▲ 0.50% · 4.625%
HK$94,394
+HK$5,414/mo
Deposit HK$2.04M · loan HK$18.36M · min. income ≈ HK$177,960/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$789,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,148
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$95,646
−HK$2,535/mo
Today · 4.125%
HK$98,181
baseline
▲ 0.50% · 4.625%
HK$103,356
+HK$5,175/mo
Deposit HK$2.04M · loan HK$18.36M · min. income ≈ HK$196,362/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$789,960 · Scale 2, in force from 26 Feb 2026)