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$46,380
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$47,822
−HK$1,466/mo
Today · 4.125%
HK$49,288
baseline
▲ 0.50% · 4.625%
HK$52,287
+HK$2,999/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$98,576/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$783,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,597
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,981
−HK$1,404/mo
Today · 4.125%
HK$54,385
baseline
▲ 0.50% · 4.625%
HK$57,251
+HK$2,866/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$108,770/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$783,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,656
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$57,387
−HK$1,759/mo
Today · 4.125%
HK$59,146
baseline
▲ 0.50% · 4.625%
HK$62,745
+HK$3,599/mo
Deposit HK$8.14M · loan HK$12.20M · min. income ≈ HK$118,292/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$783,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,916
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,577
−HK$1,685/mo
Today · 4.125%
HK$65,262
baseline
▲ 0.50% · 4.625%
HK$68,702
+HK$3,440/mo
Deposit HK$8.14M · loan HK$12.20M · min. income ≈ HK$130,524/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$783,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,932
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$66,951
−HK$2,052/mo
Today · 4.125%
HK$69,003
baseline
▲ 0.50% · 4.625%
HK$73,202
+HK$4,199/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$138,006/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$783,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,236
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$74,173
−HK$1,966/mo
Today · 4.125%
HK$76,139
baseline
▲ 0.50% · 4.625%
HK$80,152
+HK$4,013/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$152,278/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$783,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,484
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$86,080
−HK$2,639/mo
Today · 4.125%
HK$88,719
baseline
▲ 0.50% · 4.625%
HK$94,117
+HK$5,398/mo
Deposit HK$2.03M · loan HK$18.31M · min. income ≈ HK$177,438/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$783,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,875
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$95,365
−HK$2,527/mo
Today · 4.125%
HK$97,892
baseline
▲ 0.50% · 4.625%
HK$103,052
+HK$5,160/mo
Deposit HK$2.03M · loan HK$18.31M · min. income ≈ HK$195,784/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$783,972 · Scale 2, in force from 26 Feb 2026)