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$46,337
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,778
−HK$1,465/mo
Today · 4.125%
HK$49,243
baseline
▲ 0.50% · 4.625%
HK$52,239
+HK$2,996/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$98,486/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$782,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,550
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,932
−HK$1,403/mo
Today · 4.125%
HK$54,335
baseline
▲ 0.50% · 4.625%
HK$57,199
+HK$2,864/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$108,670/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$782,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,605
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$57,334
−HK$1,757/mo
Today · 4.125%
HK$59,091
baseline
▲ 0.50% · 4.625%
HK$62,687
+HK$3,596/mo
Deposit HK$8.13M · loan HK$12.19M · min. income ≈ HK$118,182/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$782,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,859
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,519
−HK$1,683/mo
Today · 4.125%
HK$65,202
baseline
▲ 0.50% · 4.625%
HK$68,638
+HK$3,436/mo
Deposit HK$8.13M · loan HK$12.19M · min. income ≈ HK$130,404/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$782,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,872
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$66,890
−HK$2,050/mo
Today · 4.125%
HK$68,940
baseline
▲ 0.50% · 4.625%
HK$73,135
+HK$4,195/mo
Deposit HK$6.10M · loan HK$14.22M · min. income ≈ HK$137,880/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$782,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,169
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$74,105
−HK$1,963/mo
Today · 4.125%
HK$76,068
baseline
▲ 0.50% · 4.625%
HK$80,078
+HK$4,010/mo
Deposit HK$6.10M · loan HK$14.22M · min. income ≈ HK$152,136/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$782,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,407
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$86,001
−HK$2,636/mo
Today · 4.125%
HK$88,637
baseline
▲ 0.50% · 4.625%
HK$94,030
+HK$5,393/mo
Deposit HK$2.03M · loan HK$18.29M · min. income ≈ HK$177,274/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$782,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,789
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$95,278
−HK$2,524/mo
Today · 4.125%
HK$97,802
baseline
▲ 0.50% · 4.625%
HK$102,958
+HK$5,156/mo
Deposit HK$2.03M · loan HK$18.29M · min. income ≈ HK$195,604/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$782,101 · Scale 2, in force from 26 Feb 2026)