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$46,508
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,955
−HK$1,470/mo
Today · 4.125%
HK$49,425
baseline
▲ 0.50% · 4.625%
HK$52,432
+HK$3,007/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$98,850/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$789,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,740
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$53,128
−HK$1,407/mo
Today · 4.125%
HK$54,535
baseline
▲ 0.50% · 4.625%
HK$57,410
+HK$2,875/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$109,070/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$789,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,810
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$57,546
−HK$1,764/mo
Today · 4.125%
HK$59,310
baseline
▲ 0.50% · 4.625%
HK$62,919
+HK$3,609/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$118,620/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$789,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,088
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,753
−HK$1,690/mo
Today · 4.125%
HK$65,443
baseline
▲ 0.50% · 4.625%
HK$68,892
+HK$3,449/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$130,886/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$789,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,112
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$67,137
−HK$2,058/mo
Today · 4.125%
HK$69,195
baseline
▲ 0.50% · 4.625%
HK$73,405
+HK$4,210/mo
Deposit HK$6.12M · loan HK$14.28M · min. income ≈ HK$138,390/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$789,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,436
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$74,379
−HK$1,971/mo
Today · 4.125%
HK$76,350
baseline
▲ 0.50% · 4.625%
HK$80,374
+HK$4,024/mo
Deposit HK$6.12M · loan HK$14.28M · min. income ≈ HK$152,700/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$789,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,715
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$86,319
−HK$2,646/mo
Today · 4.125%
HK$88,965
baseline
▲ 0.50% · 4.625%
HK$94,378
+HK$5,413/mo
Deposit HK$2.04M · loan HK$18.36M · min. income ≈ HK$177,930/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$789,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,132
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$95,630
−HK$2,534/mo
Today · 4.125%
HK$98,164
baseline
▲ 0.50% · 4.625%
HK$103,338
+HK$5,174/mo
Deposit HK$2.04M · loan HK$18.36M · min. income ≈ HK$196,328/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$789,612 · Scale 2, in force from 26 Feb 2026)