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$46,514
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,961
−HK$1,470/mo
Today · 4.125%
HK$49,431
baseline
▲ 0.50% · 4.625%
HK$52,439
+HK$3,008/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$98,862/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$789,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,747
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,135
−HK$1,408/mo
Today · 4.125%
HK$54,543
baseline
▲ 0.50% · 4.625%
HK$57,418
+HK$2,875/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$109,086/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$789,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,817
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,554
−HK$1,764/mo
Today · 4.125%
HK$59,318
baseline
▲ 0.50% · 4.625%
HK$62,927
+HK$3,609/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$118,636/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$789,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,096
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,762
−HK$1,689/mo
Today · 4.125%
HK$65,451
baseline
▲ 0.50% · 4.625%
HK$68,901
+HK$3,450/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$130,902/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$789,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,120
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,146
−HK$2,058/mo
Today · 4.125%
HK$69,204
baseline
▲ 0.50% · 4.625%
HK$73,415
+HK$4,211/mo
Deposit HK$6.12M · loan HK$14.28M · min. income ≈ HK$138,408/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$789,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,446
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$74,389
−HK$1,971/mo
Today · 4.125%
HK$76,360
baseline
▲ 0.50% · 4.625%
HK$80,385
+HK$4,025/mo
Deposit HK$6.12M · loan HK$14.28M · min. income ≈ HK$152,720/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$789,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,726
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$86,330
−HK$2,646/mo
Today · 4.125%
HK$88,976
baseline
▲ 0.50% · 4.625%
HK$94,390
+HK$5,414/mo
Deposit HK$2.04M · loan HK$18.36M · min. income ≈ HK$177,952/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$789,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,144
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$95,642
−HK$2,535/mo
Today · 4.125%
HK$98,177
baseline
▲ 0.50% · 4.625%
HK$103,352
+HK$5,175/mo
Deposit HK$2.04M · loan HK$18.36M · min. income ≈ HK$196,354/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$789,880 · Scale 2, in force from 26 Feb 2026)