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$46,286
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,726
−HK$1,462/mo
Today · 4.125%
HK$49,188
baseline
▲ 0.50% · 4.625%
HK$52,181
+HK$2,993/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$98,376/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$779,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,493
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,874
−HK$1,401/mo
Today · 4.125%
HK$54,275
baseline
▲ 0.50% · 4.625%
HK$57,135
+HK$2,860/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$108,550/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$779,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,543
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$57,271
−HK$1,755/mo
Today · 4.125%
HK$59,026
baseline
▲ 0.50% · 4.625%
HK$62,618
+HK$3,592/mo
Deposit HK$8.12M · loan HK$12.18M · min. income ≈ HK$118,052/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$779,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,791
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$63,448
−HK$1,681/mo
Today · 4.125%
HK$65,129
baseline
▲ 0.50% · 4.625%
HK$68,563
+HK$3,434/mo
Deposit HK$8.12M · loan HK$12.18M · min. income ≈ HK$130,258/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$779,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,800
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$66,816
−HK$2,048/mo
Today · 4.125%
HK$68,864
baseline
▲ 0.50% · 4.625%
HK$73,054
+HK$4,190/mo
Deposit HK$6.09M · loan HK$14.21M · min. income ≈ HK$137,728/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$779,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,090
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$74,023
−HK$1,961/mo
Today · 4.125%
HK$75,984
baseline
▲ 0.50% · 4.625%
HK$79,990
+HK$4,006/mo
Deposit HK$6.09M · loan HK$14.21M · min. income ≈ HK$151,968/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$779,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,315
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$85,906
−HK$2,633/mo
Today · 4.125%
HK$88,539
baseline
▲ 0.50% · 4.625%
HK$93,927
+HK$5,388/mo
Deposit HK$2.03M · loan HK$18.27M · min. income ≈ HK$177,078/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$779,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,687
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$95,172
−HK$2,522/mo
Today · 4.125%
HK$97,694
baseline
▲ 0.50% · 4.625%
HK$102,844
+HK$5,150/mo
Deposit HK$2.03M · loan HK$18.27M · min. income ≈ HK$195,388/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$779,855 · Scale 2, in force from 26 Feb 2026)