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$46,123
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$47,557
−HK$1,458/mo
Today · 4.125%
HK$49,015
baseline
▲ 0.50% · 4.625%
HK$51,997
+HK$2,982/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$98,030/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$772,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,311
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$52,687
−HK$1,396/mo
Today · 4.125%
HK$54,083
baseline
▲ 0.50% · 4.625%
HK$56,934
+HK$2,851/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$108,166/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$772,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,347
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$57,069
−HK$1,749/mo
Today · 4.125%
HK$58,818
baseline
▲ 0.50% · 4.625%
HK$62,397
+HK$3,579/mo
Deposit HK$8.09M · loan HK$12.14M · min. income ≈ HK$117,636/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$772,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,573
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$63,225
−HK$1,675/mo
Today · 4.125%
HK$64,900
baseline
▲ 0.50% · 4.625%
HK$68,321
+HK$3,421/mo
Deposit HK$8.09M · loan HK$12.14M · min. income ≈ HK$129,800/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$772,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,572
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$66,580
−HK$2,041/mo
Today · 4.125%
HK$68,621
baseline
▲ 0.50% · 4.625%
HK$72,796
+HK$4,175/mo
Deposit HK$6.07M · loan HK$14.16M · min. income ≈ HK$137,242/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$772,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,836
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$73,762
−HK$1,955/mo
Today · 4.125%
HK$75,717
baseline
▲ 0.50% · 4.625%
HK$79,708
+HK$3,991/mo
Deposit HK$6.07M · loan HK$14.16M · min. income ≈ HK$151,434/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$772,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,021
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$85,603
−HK$2,624/mo
Today · 4.125%
HK$88,227
baseline
▲ 0.50% · 4.625%
HK$93,595
+HK$5,368/mo
Deposit HK$2.02M · loan HK$18.20M · min. income ≈ HK$176,454/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$772,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,360
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$94,837
−HK$2,513/mo
Today · 4.125%
HK$97,350
baseline
▲ 0.50% · 4.625%
HK$102,481
+HK$5,131/mo
Deposit HK$2.02M · loan HK$18.20M · min. income ≈ HK$194,700/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$772,700 · Scale 2, in force from 26 Feb 2026)