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$46,401
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,844
−HK$1,467/mo
Today · 4.125%
HK$49,311
baseline
▲ 0.50% · 4.625%
HK$52,311
+HK$3,000/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$98,622/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$784,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,621
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,005
−HK$1,405/mo
Today · 4.125%
HK$54,410
baseline
▲ 0.50% · 4.625%
HK$57,278
+HK$2,868/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$108,820/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$784,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,681
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,413
−HK$1,760/mo
Today · 4.125%
HK$59,173
baseline
▲ 0.50% · 4.625%
HK$62,773
+HK$3,600/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$118,346/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$784,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,945
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,606
−HK$1,685/mo
Today · 4.125%
HK$65,291
baseline
▲ 0.50% · 4.625%
HK$68,733
+HK$3,442/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$130,582/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$784,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,961
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$66,982
−HK$2,053/mo
Today · 4.125%
HK$69,035
baseline
▲ 0.50% · 4.625%
HK$73,236
+HK$4,201/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$138,070/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$784,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,269
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$74,207
−HK$1,966/mo
Today · 4.125%
HK$76,173
baseline
▲ 0.50% · 4.625%
HK$80,189
+HK$4,016/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$152,346/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$784,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,522
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$86,120
−HK$2,639/mo
Today · 4.125%
HK$88,759
baseline
▲ 0.50% · 4.625%
HK$94,160
+HK$5,401/mo
Deposit HK$2.03M · loan HK$18.31M · min. income ≈ HK$177,518/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$784,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,917
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$95,409
−HK$2,528/mo
Today · 4.125%
HK$97,937
baseline
▲ 0.50% · 4.625%
HK$103,100
+HK$5,163/mo
Deposit HK$2.03M · loan HK$18.31M · min. income ≈ HK$195,874/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$784,903 · Scale 2, in force from 26 Feb 2026)