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$46,371
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$47,814
−HK$1,465/mo
Today · 4.125%
HK$49,279
baseline
▲ 0.50% · 4.625%
HK$52,278
+HK$2,999/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$98,558/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$783,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,588
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,971
−HK$1,404/mo
Today · 4.125%
HK$54,375
baseline
▲ 0.50% · 4.625%
HK$57,241
+HK$2,866/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$108,750/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$783,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,646
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$57,377
−HK$1,758/mo
Today · 4.125%
HK$59,135
baseline
▲ 0.50% · 4.625%
HK$62,733
+HK$3,598/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$118,270/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$783,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,905
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$63,566
−HK$1,684/mo
Today · 4.125%
HK$65,250
baseline
▲ 0.50% · 4.625%
HK$68,689
+HK$3,439/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$130,500/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$783,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,920
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$66,939
−HK$2,052/mo
Today · 4.125%
HK$68,991
baseline
▲ 0.50% · 4.625%
HK$73,189
+HK$4,198/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$137,982/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$783,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,223
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$74,160
−HK$1,965/mo
Today · 4.125%
HK$76,125
baseline
▲ 0.50% · 4.625%
HK$80,137
+HK$4,012/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$152,250/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$783,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,469
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$86,065
−HK$2,638/mo
Today · 4.125%
HK$88,703
baseline
▲ 0.50% · 4.625%
HK$94,100
+HK$5,397/mo
Deposit HK$2.03M · loan HK$18.30M · min. income ≈ HK$177,406/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$783,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,858
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$95,348
−HK$2,527/mo
Today · 4.125%
HK$97,875
baseline
▲ 0.50% · 4.625%
HK$103,034
+HK$5,159/mo
Deposit HK$2.03M · loan HK$18.30M · min. income ≈ HK$195,750/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$783,605 · Scale 2, in force from 26 Feb 2026)