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$46,261
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,700
−HK$1,462/mo
Today · 4.125%
HK$49,162
baseline
▲ 0.50% · 4.625%
HK$52,153
+HK$2,991/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$98,324/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$778,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,465
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,845
−HK$1,400/mo
Today · 4.125%
HK$54,245
baseline
▲ 0.50% · 4.625%
HK$57,105
+HK$2,860/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$108,490/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$778,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,513
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,240
−HK$1,754/mo
Today · 4.125%
HK$58,994
baseline
▲ 0.50% · 4.625%
HK$62,584
+HK$3,590/mo
Deposit HK$8.12M · loan HK$12.17M · min. income ≈ HK$117,988/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$778,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,758
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,414
−HK$1,680/mo
Today · 4.125%
HK$65,094
baseline
▲ 0.50% · 4.625%
HK$68,526
+HK$3,432/mo
Deposit HK$8.12M · loan HK$12.17M · min. income ≈ HK$130,188/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$778,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,765
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$66,780
−HK$2,047/mo
Today · 4.125%
HK$68,827
baseline
▲ 0.50% · 4.625%
HK$73,015
+HK$4,188/mo
Deposit HK$6.09M · loan HK$14.20M · min. income ≈ HK$137,654/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$778,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,051
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$73,983
−HK$1,960/mo
Today · 4.125%
HK$75,943
baseline
▲ 0.50% · 4.625%
HK$79,946
+HK$4,003/mo
Deposit HK$6.09M · loan HK$14.20M · min. income ≈ HK$151,886/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$778,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,270
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$85,860
−HK$2,631/mo
Today · 4.125%
HK$88,491
baseline
▲ 0.50% · 4.625%
HK$93,876
+HK$5,385/mo
Deposit HK$2.03M · loan HK$18.26M · min. income ≈ HK$176,982/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$778,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,637
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$95,121
−HK$2,520/mo
Today · 4.125%
HK$97,641
baseline
▲ 0.50% · 4.625%
HK$102,788
+HK$5,147/mo
Deposit HK$2.03M · loan HK$18.26M · min. income ≈ HK$195,282/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$778,759 · Scale 2, in force from 26 Feb 2026)