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$46,339
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,780
−HK$1,465/mo
Today · 4.125%
HK$49,245
baseline
▲ 0.50% · 4.625%
HK$52,241
+HK$2,996/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$98,490/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$782,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,552
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,934
−HK$1,403/mo
Today · 4.125%
HK$54,337
baseline
▲ 0.50% · 4.625%
HK$57,201
+HK$2,864/mo
Deposit HK$10.16M · loan HK$10.16M · min. income ≈ HK$108,674/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$782,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,607
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$57,336
−HK$1,758/mo
Today · 4.125%
HK$59,094
baseline
▲ 0.50% · 4.625%
HK$62,689
+HK$3,595/mo
Deposit HK$8.13M · loan HK$12.19M · min. income ≈ HK$118,188/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$782,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,862
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$63,521
−HK$1,683/mo
Today · 4.125%
HK$65,204
baseline
▲ 0.50% · 4.625%
HK$68,641
+HK$3,437/mo
Deposit HK$8.13M · loan HK$12.19M · min. income ≈ HK$130,408/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$782,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,874
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$66,892
−HK$2,051/mo
Today · 4.125%
HK$68,943
baseline
▲ 0.50% · 4.625%
HK$73,138
+HK$4,195/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$137,886/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$782,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,172
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$74,108
−HK$1,963/mo
Today · 4.125%
HK$76,071
baseline
▲ 0.50% · 4.625%
HK$80,081
+HK$4,010/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$152,142/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$782,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,410
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$86,004
−HK$2,636/mo
Today · 4.125%
HK$88,640
baseline
▲ 0.50% · 4.625%
HK$94,034
+HK$5,394/mo
Deposit HK$2.03M · loan HK$18.29M · min. income ≈ HK$177,280/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$782,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,793
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$95,281
−HK$2,525/mo
Today · 4.125%
HK$97,806
baseline
▲ 0.50% · 4.625%
HK$102,962
+HK$5,156/mo
Deposit HK$2.03M · loan HK$18.29M · min. income ≈ HK$195,612/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$782,178 · Scale 2, in force from 26 Feb 2026)