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$46,277
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,717
−HK$1,462/mo
Today · 4.125%
HK$49,179
baseline
▲ 0.50% · 4.625%
HK$52,171
+HK$2,992/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$98,358/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$779,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,483
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,864
−HK$1,400/mo
Today · 4.125%
HK$54,264
baseline
▲ 0.50% · 4.625%
HK$57,125
+HK$2,861/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$108,528/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$779,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,532
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$57,260
−HK$1,755/mo
Today · 4.125%
HK$59,015
baseline
▲ 0.50% · 4.625%
HK$62,606
+HK$3,591/mo
Deposit HK$8.12M · loan HK$12.18M · min. income ≈ HK$118,030/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$779,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,779
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$63,436
−HK$1,681/mo
Today · 4.125%
HK$65,117
baseline
▲ 0.50% · 4.625%
HK$68,549
+HK$3,432/mo
Deposit HK$8.12M · loan HK$12.18M · min. income ≈ HK$130,234/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$779,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,788
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$66,803
−HK$2,048/mo
Today · 4.125%
HK$68,851
baseline
▲ 0.50% · 4.625%
HK$73,040
+HK$4,189/mo
Deposit HK$6.09M · loan HK$14.21M · min. income ≈ HK$137,702/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$779,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,076
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$74,009
−HK$1,961/mo
Today · 4.125%
HK$75,970
baseline
▲ 0.50% · 4.625%
HK$79,974
+HK$4,004/mo
Deposit HK$6.09M · loan HK$14.21M · min. income ≈ HK$151,940/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$779,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,299
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$85,890
−HK$2,632/mo
Today · 4.125%
HK$88,522
baseline
▲ 0.50% · 4.625%
HK$93,909
+HK$5,387/mo
Deposit HK$2.03M · loan HK$18.27M · min. income ≈ HK$177,044/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$779,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,669
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$95,154
−HK$2,522/mo
Today · 4.125%
HK$97,676
baseline
▲ 0.50% · 4.625%
HK$102,824
+HK$5,148/mo
Deposit HK$2.03M · loan HK$18.27M · min. income ≈ HK$195,352/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$779,468 · Scale 2, in force from 26 Feb 2026)