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$46,397
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,840
−HK$1,466/mo
Today · 4.125%
HK$49,306
baseline
▲ 0.50% · 4.625%
HK$52,306
+HK$3,000/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$98,612/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$784,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,616
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,000
−HK$1,405/mo
Today · 4.125%
HK$54,405
baseline
▲ 0.50% · 4.625%
HK$57,272
+HK$2,867/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$108,810/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$784,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,676
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,408
−HK$1,760/mo
Today · 4.125%
HK$59,168
baseline
▲ 0.50% · 4.625%
HK$62,768
+HK$3,600/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$118,336/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$784,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,939
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$63,600
−HK$1,686/mo
Today · 4.125%
HK$65,286
baseline
▲ 0.50% · 4.625%
HK$68,727
+HK$3,441/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$130,572/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$784,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,956
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$66,976
−HK$2,053/mo
Today · 4.125%
HK$69,029
baseline
▲ 0.50% · 4.625%
HK$73,229
+HK$4,200/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$138,058/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$784,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,262
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,200
−HK$1,967/mo
Today · 4.125%
HK$76,167
baseline
▲ 0.50% · 4.625%
HK$80,181
+HK$4,014/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$152,334/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$784,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,514
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$86,112
−HK$2,639/mo
Today · 4.125%
HK$88,751
baseline
▲ 0.50% · 4.625%
HK$94,152
+HK$5,401/mo
Deposit HK$2.03M · loan HK$18.31M · min. income ≈ HK$177,502/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$784,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,909
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$95,401
−HK$2,527/mo
Today · 4.125%
HK$97,928
baseline
▲ 0.50% · 4.625%
HK$103,090
+HK$5,162/mo
Deposit HK$2.03M · loan HK$18.31M · min. income ≈ HK$195,856/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$784,720 · Scale 2, in force from 26 Feb 2026)