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$46,398
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,841
−HK$1,467/mo
Today · 4.125%
HK$49,308
baseline
▲ 0.50% · 4.625%
HK$52,308
+HK$3,000/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$98,616/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$784,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,617
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,002
−HK$1,404/mo
Today · 4.125%
HK$54,406
baseline
▲ 0.50% · 4.625%
HK$57,274
+HK$2,868/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$108,812/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$784,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,678
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,409
−HK$1,760/mo
Today · 4.125%
HK$59,169
baseline
▲ 0.50% · 4.625%
HK$62,769
+HK$3,600/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$118,338/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$784,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,941
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,602
−HK$1,685/mo
Today · 4.125%
HK$65,287
baseline
▲ 0.50% · 4.625%
HK$68,729
+HK$3,442/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$130,574/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$784,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,957
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$66,978
−HK$2,053/mo
Today · 4.125%
HK$69,031
baseline
▲ 0.50% · 4.625%
HK$73,231
+HK$4,200/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$138,062/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$784,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,264
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$74,202
−HK$1,966/mo
Today · 4.125%
HK$76,168
baseline
▲ 0.50% · 4.625%
HK$80,183
+HK$4,015/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$152,336/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$784,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,516
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$86,114
−HK$2,640/mo
Today · 4.125%
HK$88,754
baseline
▲ 0.50% · 4.625%
HK$94,154
+HK$5,400/mo
Deposit HK$2.03M · loan HK$18.31M · min. income ≈ HK$177,508/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$784,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,911
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$95,403
−HK$2,528/mo
Today · 4.125%
HK$97,931
baseline
▲ 0.50% · 4.625%
HK$103,093
+HK$5,162/mo
Deposit HK$2.03M · loan HK$18.31M · min. income ≈ HK$195,862/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$784,771 · Scale 2, in force from 26 Feb 2026)