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$46,399
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,842
−HK$1,467/mo
Today · 4.125%
HK$49,309
baseline
▲ 0.50% · 4.625%
HK$52,309
+HK$3,000/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$98,618/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$784,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,619
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$53,003
−HK$1,404/mo
Today · 4.125%
HK$54,407
baseline
▲ 0.50% · 4.625%
HK$57,275
+HK$2,868/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$108,814/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$784,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,679
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,411
−HK$1,760/mo
Today · 4.125%
HK$59,171
baseline
▲ 0.50% · 4.625%
HK$62,771
+HK$3,600/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$118,342/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$784,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,942
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$63,604
−HK$1,685/mo
Today · 4.125%
HK$65,289
baseline
▲ 0.50% · 4.625%
HK$68,730
+HK$3,441/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$130,578/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$784,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,959
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$66,979
−HK$2,053/mo
Today · 4.125%
HK$69,032
baseline
▲ 0.50% · 4.625%
HK$73,233
+HK$4,201/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$138,064/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$784,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,266
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$74,204
−HK$1,966/mo
Today · 4.125%
HK$76,170
baseline
▲ 0.50% · 4.625%
HK$80,185
+HK$4,015/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$152,340/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$784,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,519
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$86,116
−HK$2,640/mo
Today · 4.125%
HK$88,756
baseline
▲ 0.50% · 4.625%
HK$94,157
+HK$5,401/mo
Deposit HK$2.03M · loan HK$18.31M · min. income ≈ HK$177,512/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$784,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,914
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$95,405
−HK$2,528/mo
Today · 4.125%
HK$97,933
baseline
▲ 0.50% · 4.625%
HK$103,096
+HK$5,163/mo
Deposit HK$2.03M · loan HK$18.31M · min. income ≈ HK$195,866/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$784,825 · Scale 2, in force from 26 Feb 2026)