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$46,392
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,835
−HK$1,466/mo
Today · 4.125%
HK$49,301
baseline
▲ 0.50% · 4.625%
HK$52,301
+HK$3,000/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$98,602/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$784,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,610
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$52,995
−HK$1,404/mo
Today · 4.125%
HK$54,399
baseline
▲ 0.50% · 4.625%
HK$57,266
+HK$2,867/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$108,798/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$784,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,670
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,402
−HK$1,759/mo
Today · 4.125%
HK$59,161
baseline
▲ 0.50% · 4.625%
HK$62,761
+HK$3,600/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$118,322/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$784,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,933
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,594
−HK$1,685/mo
Today · 4.125%
HK$65,279
baseline
▲ 0.50% · 4.625%
HK$68,720
+HK$3,441/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$130,558/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$784,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,949
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$66,969
−HK$2,052/mo
Today · 4.125%
HK$69,021
baseline
▲ 0.50% · 4.625%
HK$73,221
+HK$4,200/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$138,042/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$784,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,255
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$74,192
−HK$1,966/mo
Today · 4.125%
HK$76,158
baseline
▲ 0.50% · 4.625%
HK$80,173
+HK$4,015/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$152,316/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$784,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,505
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$86,103
−HK$2,639/mo
Today · 4.125%
HK$88,742
baseline
▲ 0.50% · 4.625%
HK$94,142
+HK$5,400/mo
Deposit HK$2.03M · loan HK$18.31M · min. income ≈ HK$177,484/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$784,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,899
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$95,390
−HK$2,528/mo
Today · 4.125%
HK$97,918
baseline
▲ 0.50% · 4.625%
HK$103,079
+HK$5,161/mo
Deposit HK$2.03M · loan HK$18.31M · min. income ≈ HK$195,836/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$784,502 · Scale 2, in force from 26 Feb 2026)