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$46,497
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$47,943
−HK$1,470/mo
Today · 4.125%
HK$49,413
baseline
▲ 0.50% · 4.625%
HK$52,420
+HK$3,007/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$98,826/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$789,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,728
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,115
−HK$1,407/mo
Today · 4.125%
HK$54,522
baseline
▲ 0.50% · 4.625%
HK$57,396
+HK$2,874/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$109,044/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$789,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,797
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$57,532
−HK$1,764/mo
Today · 4.125%
HK$59,296
baseline
▲ 0.50% · 4.625%
HK$62,904
+HK$3,608/mo
Deposit HK$8.16M · loan HK$12.23M · min. income ≈ HK$118,592/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$789,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,073
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,738
−HK$1,689/mo
Today · 4.125%
HK$65,427
baseline
▲ 0.50% · 4.625%
HK$68,875
+HK$3,448/mo
Deposit HK$8.16M · loan HK$12.23M · min. income ≈ HK$130,854/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$789,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,096
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$67,121
−HK$2,057/mo
Today · 4.125%
HK$69,178
baseline
▲ 0.50% · 4.625%
HK$73,387
+HK$4,209/mo
Deposit HK$6.12M · loan HK$14.27M · min. income ≈ HK$138,356/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$789,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,419
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,361
−HK$1,970/mo
Today · 4.125%
HK$76,331
baseline
▲ 0.50% · 4.625%
HK$80,355
+HK$4,024/mo
Deposit HK$6.12M · loan HK$14.27M · min. income ≈ HK$152,662/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$789,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,695
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$86,298
−HK$2,645/mo
Today · 4.125%
HK$88,943
baseline
▲ 0.50% · 4.625%
HK$94,355
+HK$5,412/mo
Deposit HK$2.04M · loan HK$18.35M · min. income ≈ HK$177,886/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$789,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,110
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$95,607
−HK$2,533/mo
Today · 4.125%
HK$98,140
baseline
▲ 0.50% · 4.625%
HK$103,313
+HK$5,173/mo
Deposit HK$2.04M · loan HK$18.35M · min. income ≈ HK$196,280/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$789,120 · Scale 2, in force from 26 Feb 2026)