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$46,395
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,839
−HK$1,466/mo
Today · 4.125%
HK$49,305
baseline
▲ 0.50% · 4.625%
HK$52,305
+HK$3,000/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$98,610/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$784,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,614
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$52,999
−HK$1,404/mo
Today · 4.125%
HK$54,403
baseline
▲ 0.50% · 4.625%
HK$57,271
+HK$2,868/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$108,806/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$784,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,675
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,406
−HK$1,760/mo
Today · 4.125%
HK$59,166
baseline
▲ 0.50% · 4.625%
HK$62,766
+HK$3,600/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$118,332/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$784,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,937
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$63,598
−HK$1,686/mo
Today · 4.125%
HK$65,284
baseline
▲ 0.50% · 4.625%
HK$68,725
+HK$3,441/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$130,568/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$784,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,954
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$66,974
−HK$2,053/mo
Today · 4.125%
HK$69,027
baseline
▲ 0.50% · 4.625%
HK$73,227
+HK$4,200/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$138,054/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$784,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,260
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$74,198
−HK$1,966/mo
Today · 4.125%
HK$76,164
baseline
▲ 0.50% · 4.625%
HK$80,179
+HK$4,015/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$152,328/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$784,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,512
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$86,110
−HK$2,639/mo
Today · 4.125%
HK$88,749
baseline
▲ 0.50% · 4.625%
HK$94,149
+HK$5,400/mo
Deposit HK$2.03M · loan HK$18.31M · min. income ≈ HK$177,498/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$784,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,906
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$95,398
−HK$2,527/mo
Today · 4.125%
HK$97,925
baseline
▲ 0.50% · 4.625%
HK$103,087
+HK$5,162/mo
Deposit HK$2.03M · loan HK$18.31M · min. income ≈ HK$195,850/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$784,660 · Scale 2, in force from 26 Feb 2026)