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$46,349
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,790
−HK$1,465/mo
Today · 4.125%
HK$49,255
baseline
▲ 0.50% · 4.625%
HK$52,252
+HK$2,997/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$98,510/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$782,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,562
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$52,945
−HK$1,403/mo
Today · 4.125%
HK$54,348
baseline
▲ 0.50% · 4.625%
HK$57,213
+HK$2,865/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$108,696/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$782,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,618
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$57,349
−HK$1,757/mo
Today · 4.125%
HK$59,106
baseline
▲ 0.50% · 4.625%
HK$62,703
+HK$3,597/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$118,212/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$782,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,875
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,534
−HK$1,684/mo
Today · 4.125%
HK$65,218
baseline
▲ 0.50% · 4.625%
HK$68,656
+HK$3,438/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$130,436/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$782,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,888
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$66,907
−HK$2,050/mo
Today · 4.125%
HK$68,957
baseline
▲ 0.50% · 4.625%
HK$73,153
+HK$4,196/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$137,914/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$782,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,187
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$74,124
−HK$1,964/mo
Today · 4.125%
HK$76,088
baseline
▲ 0.50% · 4.625%
HK$80,098
+HK$4,010/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$152,176/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$782,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,428
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$86,023
−HK$2,636/mo
Today · 4.125%
HK$88,659
baseline
▲ 0.50% · 4.625%
HK$94,054
+HK$5,395/mo
Deposit HK$2.03M · loan HK$18.29M · min. income ≈ HK$177,318/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$782,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,812
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$95,302
−HK$2,525/mo
Today · 4.125%
HK$97,827
baseline
▲ 0.50% · 4.625%
HK$102,983
+HK$5,156/mo
Deposit HK$2.03M · loan HK$18.29M · min. income ≈ HK$195,654/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$782,610 · Scale 2, in force from 26 Feb 2026)