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$47,813
−HK$1,466/mo
Today · 4.125%
HK$49,279
baseline
▲ 0.50% · 4.625%
HK$52,277
+HK$2,998/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$783,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,587
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,971
−HK$1,403/mo
Today · 4.125%
HK$54,374
baseline
▲ 0.50% · 4.625%
HK$57,240
+HK$2,866/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$108,748/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$783,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,645
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$57,376
−HK$1,758/mo
Today · 4.125%
HK$59,134
baseline
▲ 0.50% · 4.625%
HK$62,732
+HK$3,598/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$118,268/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$783,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,904
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$63,565
−HK$1,684/mo
Today · 4.125%
HK$65,249
baseline
▲ 0.50% · 4.625%
HK$68,688
+HK$3,439/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$130,498/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$783,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,919
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$66,938
−HK$2,052/mo
Today · 4.125%
HK$68,990
baseline
▲ 0.50% · 4.625%
HK$73,188
+HK$4,198/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$137,980/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$783,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,222
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$74,159
−HK$1,965/mo
Today · 4.125%
HK$76,124
baseline
▲ 0.50% · 4.625%
HK$80,136
+HK$4,012/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$152,248/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$783,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,467
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$86,064
−HK$2,637/mo
Today · 4.125%
HK$88,701
baseline
▲ 0.50% · 4.625%
HK$94,099
+HK$5,398/mo
Deposit HK$2.03M · loan HK$18.30M · min. income ≈ HK$177,402/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$783,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,857
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$95,347
−HK$2,526/mo
Today · 4.125%
HK$97,873
baseline
▲ 0.50% · 4.625%
HK$103,032
+HK$5,159/mo
Deposit HK$2.03M · loan HK$18.30M · min. income ≈ HK$195,746/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$783,576 · Scale 2, in force from 26 Feb 2026)