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$46,285
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,725
−HK$1,462/mo
Today · 4.125%
HK$49,187
baseline
▲ 0.50% · 4.625%
HK$52,180
+HK$2,993/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$98,374/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$779,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,491
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,872
−HK$1,401/mo
Today · 4.125%
HK$54,273
baseline
▲ 0.50% · 4.625%
HK$57,134
+HK$2,861/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$108,546/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$779,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,542
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$57,270
−HK$1,755/mo
Today · 4.125%
HK$59,025
baseline
▲ 0.50% · 4.625%
HK$62,616
+HK$3,591/mo
Deposit HK$8.12M · loan HK$12.18M · min. income ≈ HK$118,050/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$779,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,790
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$63,447
−HK$1,681/mo
Today · 4.125%
HK$65,128
baseline
▲ 0.50% · 4.625%
HK$68,561
+HK$3,433/mo
Deposit HK$8.12M · loan HK$12.18M · min. income ≈ HK$130,256/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$779,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,799
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$66,814
−HK$2,048/mo
Today · 4.125%
HK$68,862
baseline
▲ 0.50% · 4.625%
HK$73,052
+HK$4,190/mo
Deposit HK$6.09M · loan HK$14.21M · min. income ≈ HK$137,724/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$779,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,088
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$74,021
−HK$1,962/mo
Today · 4.125%
HK$75,983
baseline
▲ 0.50% · 4.625%
HK$79,988
+HK$4,005/mo
Deposit HK$6.09M · loan HK$14.21M · min. income ≈ HK$151,966/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$779,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,313
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$85,904
−HK$2,633/mo
Today · 4.125%
HK$88,537
baseline
▲ 0.50% · 4.625%
HK$93,924
+HK$5,387/mo
Deposit HK$2.03M · loan HK$18.27M · min. income ≈ HK$177,074/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$779,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,685
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$95,170
−HK$2,522/mo
Today · 4.125%
HK$97,692
baseline
▲ 0.50% · 4.625%
HK$102,842
+HK$5,150/mo
Deposit HK$2.03M · loan HK$18.27M · min. income ≈ HK$195,384/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$779,810 · Scale 2, in force from 26 Feb 2026)