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$46,146
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,582
−HK$1,458/mo
Today · 4.125%
HK$49,040
baseline
▲ 0.50% · 4.625%
HK$52,024
+HK$2,984/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$98,080/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$773,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,337
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$52,714
−HK$1,397/mo
Today · 4.125%
HK$54,111
baseline
▲ 0.50% · 4.625%
HK$56,963
+HK$2,852/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$108,222/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$773,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,375
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,098
−HK$1,750/mo
Today · 4.125%
HK$58,848
baseline
▲ 0.50% · 4.625%
HK$62,429
+HK$3,581/mo
Deposit HK$8.09M · loan HK$12.14M · min. income ≈ HK$117,696/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$773,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,605
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$63,257
−HK$1,676/mo
Today · 4.125%
HK$64,933
baseline
▲ 0.50% · 4.625%
HK$68,356
+HK$3,423/mo
Deposit HK$8.09M · loan HK$12.14M · min. income ≈ HK$129,866/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$773,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,605
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$66,614
−HK$2,042/mo
Today · 4.125%
HK$68,656
baseline
▲ 0.50% · 4.625%
HK$72,834
+HK$4,178/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$137,312/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$773,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,872
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$73,800
−HK$1,955/mo
Today · 4.125%
HK$75,755
baseline
▲ 0.50% · 4.625%
HK$79,748
+HK$3,993/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$151,510/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$773,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,063
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$85,647
−HK$2,625/mo
Today · 4.125%
HK$88,272
baseline
▲ 0.50% · 4.625%
HK$93,643
+HK$5,371/mo
Deposit HK$2.02M · loan HK$18.21M · min. income ≈ HK$176,544/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$773,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,407
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$94,885
−HK$2,514/mo
Today · 4.125%
HK$97,399
baseline
▲ 0.50% · 4.625%
HK$102,534
+HK$5,135/mo
Deposit HK$2.02M · loan HK$18.21M · min. income ≈ HK$194,798/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$773,730 · Scale 2, in force from 26 Feb 2026)