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$46,400
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,844
−HK$1,466/mo
Today · 4.125%
HK$49,310
baseline
▲ 0.50% · 4.625%
HK$52,310
+HK$3,000/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$98,620/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$784,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,620
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,004
−HK$1,405/mo
Today · 4.125%
HK$54,409
baseline
▲ 0.50% · 4.625%
HK$57,277
+HK$2,868/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$108,818/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$784,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,680
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,412
−HK$1,760/mo
Today · 4.125%
HK$59,172
baseline
▲ 0.50% · 4.625%
HK$62,772
+HK$3,600/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$118,344/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$784,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,944
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,605
−HK$1,685/mo
Today · 4.125%
HK$65,290
baseline
▲ 0.50% · 4.625%
HK$68,732
+HK$3,442/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$130,580/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$784,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,960
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$66,981
−HK$2,053/mo
Today · 4.125%
HK$69,034
baseline
▲ 0.50% · 4.625%
HK$73,234
+HK$4,200/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$138,068/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$784,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,268
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$74,206
−HK$1,966/mo
Today · 4.125%
HK$76,172
baseline
▲ 0.50% · 4.625%
HK$80,187
+HK$4,015/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$152,344/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$784,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,520
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$86,118
−HK$2,640/mo
Today · 4.125%
HK$88,758
baseline
▲ 0.50% · 4.625%
HK$94,159
+HK$5,401/mo
Deposit HK$2.03M · loan HK$18.31M · min. income ≈ HK$177,516/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$784,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,916
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$95,408
−HK$2,528/mo
Today · 4.125%
HK$97,936
baseline
▲ 0.50% · 4.625%
HK$103,098
+HK$5,162/mo
Deposit HK$2.03M · loan HK$18.31M · min. income ≈ HK$195,872/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$784,870 · Scale 2, in force from 26 Feb 2026)