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$46,330
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,771
−HK$1,465/mo
Today · 4.125%
HK$49,236
baseline
▲ 0.50% · 4.625%
HK$52,231
+HK$2,995/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$98,472/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$781,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,542
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,924
−HK$1,403/mo
Today · 4.125%
HK$54,327
baseline
▲ 0.50% · 4.625%
HK$57,190
+HK$2,863/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$108,654/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$781,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,596
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$57,326
−HK$1,757/mo
Today · 4.125%
HK$59,083
baseline
▲ 0.50% · 4.625%
HK$62,678
+HK$3,595/mo
Deposit HK$8.13M · loan HK$12.19M · min. income ≈ HK$118,166/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$781,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,850
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$63,509
−HK$1,683/mo
Today · 4.125%
HK$65,192
baseline
▲ 0.50% · 4.625%
HK$68,628
+HK$3,436/mo
Deposit HK$8.13M · loan HK$12.19M · min. income ≈ HK$130,384/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$781,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,862
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$66,880
−HK$2,050/mo
Today · 4.125%
HK$68,930
baseline
▲ 0.50% · 4.625%
HK$73,124
+HK$4,194/mo
Deposit HK$6.10M · loan HK$14.22M · min. income ≈ HK$137,860/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$781,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,159
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$74,094
−HK$1,963/mo
Today · 4.125%
HK$76,057
baseline
▲ 0.50% · 4.625%
HK$80,066
+HK$4,009/mo
Deposit HK$6.10M · loan HK$14.22M · min. income ≈ HK$152,114/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$781,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,394
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$85,988
−HK$2,636/mo
Today · 4.125%
HK$88,624
baseline
▲ 0.50% · 4.625%
HK$94,017
+HK$5,393/mo
Deposit HK$2.03M · loan HK$18.29M · min. income ≈ HK$177,248/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$781,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,775
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$95,264
−HK$2,524/mo
Today · 4.125%
HK$97,788
baseline
▲ 0.50% · 4.625%
HK$102,942
+HK$5,154/mo
Deposit HK$2.03M · loan HK$18.29M · min. income ≈ HK$195,576/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$781,799 · Scale 2, in force from 26 Feb 2026)