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$46,360
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,802
−HK$1,465/mo
Today · 4.125%
HK$49,267
baseline
▲ 0.50% · 4.625%
HK$52,265
+HK$2,998/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$98,534/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$783,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,575
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$52,958
−HK$1,403/mo
Today · 4.125%
HK$54,361
baseline
▲ 0.50% · 4.625%
HK$57,227
+HK$2,866/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$108,722/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$783,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,632
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$57,362
−HK$1,758/mo
Today · 4.125%
HK$59,120
baseline
▲ 0.50% · 4.625%
HK$62,718
+HK$3,598/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$118,240/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$783,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,890
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,549
−HK$1,684/mo
Today · 4.125%
HK$65,233
baseline
▲ 0.50% · 4.625%
HK$68,672
+HK$3,439/mo
Deposit HK$8.13M · loan HK$12.20M · min. income ≈ HK$130,466/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$783,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,904
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$66,922
−HK$2,052/mo
Today · 4.125%
HK$68,974
baseline
▲ 0.50% · 4.625%
HK$73,170
+HK$4,196/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$137,948/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$783,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,205
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$74,141
−HK$1,965/mo
Today · 4.125%
HK$76,106
baseline
▲ 0.50% · 4.625%
HK$80,117
+HK$4,011/mo
Deposit HK$6.10M · loan HK$14.23M · min. income ≈ HK$152,212/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$783,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,447
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$86,043
−HK$2,637/mo
Today · 4.125%
HK$88,680
baseline
▲ 0.50% · 4.625%
HK$94,076
+HK$5,396/mo
Deposit HK$2.03M · loan HK$18.30M · min. income ≈ HK$177,360/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$783,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,834
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$95,324
−HK$2,526/mo
Today · 4.125%
HK$97,850
baseline
▲ 0.50% · 4.625%
HK$103,008
+HK$5,158/mo
Deposit HK$2.03M · loan HK$18.30M · min. income ≈ HK$195,700/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$783,090 · Scale 2, in force from 26 Feb 2026)