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$46,256
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,695
−HK$1,462/mo
Today · 4.125%
HK$49,157
baseline
▲ 0.50% · 4.625%
HK$52,148
+HK$2,991/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$98,314/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$778,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,460
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,840
−HK$1,400/mo
Today · 4.125%
HK$54,240
baseline
▲ 0.50% · 4.625%
HK$57,099
+HK$2,859/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$108,480/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$778,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,507
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,234
−HK$1,754/mo
Today · 4.125%
HK$58,988
baseline
▲ 0.50% · 4.625%
HK$62,578
+HK$3,590/mo
Deposit HK$8.11M · loan HK$12.17M · min. income ≈ HK$117,976/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$778,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,752
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,408
−HK$1,680/mo
Today · 4.125%
HK$65,088
baseline
▲ 0.50% · 4.625%
HK$68,519
+HK$3,431/mo
Deposit HK$8.11M · loan HK$12.17M · min. income ≈ HK$130,176/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$778,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,759
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$66,773
−HK$2,047/mo
Today · 4.125%
HK$68,820
baseline
▲ 0.50% · 4.625%
HK$73,007
+HK$4,187/mo
Deposit HK$6.09M · loan HK$14.20M · min. income ≈ HK$137,640/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$778,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,043
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$73,976
−HK$1,960/mo
Today · 4.125%
HK$75,936
baseline
▲ 0.50% · 4.625%
HK$79,938
+HK$4,002/mo
Deposit HK$6.09M · loan HK$14.20M · min. income ≈ HK$151,872/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$778,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,261
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$85,851
−HK$2,631/mo
Today · 4.125%
HK$88,482
baseline
▲ 0.50% · 4.625%
HK$93,866
+HK$5,384/mo
Deposit HK$2.03M · loan HK$18.26M · min. income ≈ HK$176,964/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$778,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,627
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$95,112
−HK$2,520/mo
Today · 4.125%
HK$97,632
baseline
▲ 0.50% · 4.625%
HK$102,778
+HK$5,146/mo
Deposit HK$2.03M · loan HK$18.26M · min. income ≈ HK$195,264/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$778,555 · Scale 2, in force from 26 Feb 2026)