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$46,534
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,981
−HK$1,471/mo
Today · 4.125%
HK$49,452
baseline
▲ 0.50% · 4.625%
HK$52,461
+HK$3,009/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$98,904/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$790,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,768
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$53,157
−HK$1,408/mo
Today · 4.125%
HK$54,565
baseline
▲ 0.50% · 4.625%
HK$57,441
+HK$2,876/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$109,130/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$790,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,840
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,577
−HK$1,765/mo
Today · 4.125%
HK$59,342
baseline
▲ 0.50% · 4.625%
HK$62,953
+HK$3,611/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$118,684/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$790,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,122
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,788
−HK$1,690/mo
Today · 4.125%
HK$65,478
baseline
▲ 0.50% · 4.625%
HK$68,930
+HK$3,452/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$130,956/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$790,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,147
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$67,174
−HK$2,059/mo
Today · 4.125%
HK$69,233
baseline
▲ 0.50% · 4.625%
HK$73,445
+HK$4,212/mo
Deposit HK$6.12M · loan HK$14.29M · min. income ≈ HK$138,466/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$790,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,476
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,419
−HK$1,972/mo
Today · 4.125%
HK$76,391
baseline
▲ 0.50% · 4.625%
HK$80,418
+HK$4,027/mo
Deposit HK$6.12M · loan HK$14.29M · min. income ≈ HK$152,782/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$790,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,761
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$86,366
−HK$2,647/mo
Today · 4.125%
HK$89,013
baseline
▲ 0.50% · 4.625%
HK$94,430
+HK$5,417/mo
Deposit HK$2.04M · loan HK$18.37M · min. income ≈ HK$178,026/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$790,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,183
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$95,682
−HK$2,535/mo
Today · 4.125%
HK$98,217
baseline
▲ 0.50% · 4.625%
HK$103,395
+HK$5,178/mo
Deposit HK$2.04M · loan HK$18.37M · min. income ≈ HK$196,434/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$790,724 · Scale 2, in force from 26 Feb 2026)