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$46,281
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,720
−HK$1,463/mo
Today · 4.125%
HK$49,183
baseline
▲ 0.50% · 4.625%
HK$52,175
+HK$2,992/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$98,366/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$779,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,487
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,868
−HK$1,400/mo
Today · 4.125%
HK$54,268
baseline
▲ 0.50% · 4.625%
HK$57,129
+HK$2,861/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$108,536/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$779,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,537
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$57,264
−HK$1,755/mo
Today · 4.125%
HK$59,019
baseline
▲ 0.50% · 4.625%
HK$62,611
+HK$3,592/mo
Deposit HK$8.12M · loan HK$12.18M · min. income ≈ HK$118,038/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$779,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,784
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$63,441
−HK$1,681/mo
Today · 4.125%
HK$65,122
baseline
▲ 0.50% · 4.625%
HK$68,555
+HK$3,433/mo
Deposit HK$8.12M · loan HK$12.18M · min. income ≈ HK$130,244/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$779,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,793
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$66,808
−HK$2,048/mo
Today · 4.125%
HK$68,856
baseline
▲ 0.50% · 4.625%
HK$73,046
+HK$4,190/mo
Deposit HK$6.09M · loan HK$14.21M · min. income ≈ HK$137,712/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$779,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,081
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$74,015
−HK$1,961/mo
Today · 4.125%
HK$75,976
baseline
▲ 0.50% · 4.625%
HK$79,981
+HK$4,005/mo
Deposit HK$6.09M · loan HK$14.21M · min. income ≈ HK$151,952/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$779,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,305
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$85,896
−HK$2,633/mo
Today · 4.125%
HK$88,529
baseline
▲ 0.50% · 4.625%
HK$93,916
+HK$5,387/mo
Deposit HK$2.03M · loan HK$18.27M · min. income ≈ HK$177,058/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$779,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,676
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$95,162
−HK$2,521/mo
Today · 4.125%
HK$97,683
baseline
▲ 0.50% · 4.625%
HK$102,832
+HK$5,149/mo
Deposit HK$2.03M · loan HK$18.27M · min. income ≈ HK$195,366/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$779,623 · Scale 2, in force from 26 Feb 2026)