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$46,344
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,785
−HK$1,465/mo
Today · 4.125%
HK$49,250
baseline
▲ 0.50% · 4.625%
HK$52,247
+HK$2,997/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$98,500/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$782,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,557
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$52,940
−HK$1,403/mo
Today · 4.125%
HK$54,343
baseline
▲ 0.50% · 4.625%
HK$57,207
+HK$2,864/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$108,686/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$782,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,613
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$57,342
−HK$1,758/mo
Today · 4.125%
HK$59,100
baseline
▲ 0.50% · 4.625%
HK$62,696
+HK$3,596/mo
Deposit HK$8.13M · loan HK$12.19M · min. income ≈ HK$118,200/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$782,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,868
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,528
−HK$1,683/mo
Today · 4.125%
HK$65,211
baseline
▲ 0.50% · 4.625%
HK$68,648
+HK$3,437/mo
Deposit HK$8.13M · loan HK$12.19M · min. income ≈ HK$130,422/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$782,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,881
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$66,900
−HK$2,050/mo
Today · 4.125%
HK$68,950
baseline
▲ 0.50% · 4.625%
HK$73,145
+HK$4,195/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$137,900/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$782,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,180
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$74,116
−HK$1,964/mo
Today · 4.125%
HK$76,080
baseline
▲ 0.50% · 4.625%
HK$80,090
+HK$4,010/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$152,160/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$782,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,419
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$86,014
−HK$2,636/mo
Today · 4.125%
HK$88,650
baseline
▲ 0.50% · 4.625%
HK$94,044
+HK$5,394/mo
Deposit HK$2.03M · loan HK$18.29M · min. income ≈ HK$177,300/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$782,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,803
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$95,292
−HK$2,525/mo
Today · 4.125%
HK$97,817
baseline
▲ 0.50% · 4.625%
HK$102,973
+HK$5,156/mo
Deposit HK$2.03M · loan HK$18.29M · min. income ≈ HK$195,634/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$782,396 · Scale 2, in force from 26 Feb 2026)