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$46,390
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,833
−HK$1,466/mo
Today · 4.125%
HK$49,299
baseline
▲ 0.50% · 4.625%
HK$52,299
+HK$3,000/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$98,598/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$784,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,609
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,993
−HK$1,404/mo
Today · 4.125%
HK$54,397
baseline
▲ 0.50% · 4.625%
HK$57,264
+HK$2,867/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$108,794/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$784,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,668
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,400
−HK$1,759/mo
Today · 4.125%
HK$59,159
baseline
▲ 0.50% · 4.625%
HK$62,759
+HK$3,600/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$118,318/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$784,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,930
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,591
−HK$1,685/mo
Today · 4.125%
HK$65,276
baseline
▲ 0.50% · 4.625%
HK$68,717
+HK$3,441/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$130,552/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$784,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,946
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$66,966
−HK$2,053/mo
Today · 4.125%
HK$69,019
baseline
▲ 0.50% · 4.625%
HK$73,219
+HK$4,200/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$138,038/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$784,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,252
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$74,190
−HK$1,966/mo
Today · 4.125%
HK$76,156
baseline
▲ 0.50% · 4.625%
HK$80,170
+HK$4,014/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$152,312/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$784,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,502
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$86,100
−HK$2,639/mo
Today · 4.125%
HK$88,739
baseline
▲ 0.50% · 4.625%
HK$94,138
+HK$5,399/mo
Deposit HK$2.03M · loan HK$18.31M · min. income ≈ HK$177,478/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$784,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,895
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$95,387
−HK$2,527/mo
Today · 4.125%
HK$97,914
baseline
▲ 0.50% · 4.625%
HK$103,075
+HK$5,161/mo
Deposit HK$2.03M · loan HK$18.31M · min. income ≈ HK$195,828/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$784,427 · Scale 2, in force from 26 Feb 2026)