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$46,376
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$47,819
−HK$1,465/mo
Today · 4.125%
HK$49,284
baseline
▲ 0.50% · 4.625%
HK$52,283
+HK$2,999/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$98,568/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$783,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,593
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,977
−HK$1,404/mo
Today · 4.125%
HK$54,381
baseline
▲ 0.50% · 4.625%
HK$57,247
+HK$2,866/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$108,762/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$783,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,652
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$57,383
−HK$1,758/mo
Today · 4.125%
HK$59,141
baseline
▲ 0.50% · 4.625%
HK$62,740
+HK$3,599/mo
Deposit HK$8.14M · loan HK$12.20M · min. income ≈ HK$118,282/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$783,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,912
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$63,572
−HK$1,685/mo
Today · 4.125%
HK$65,257
baseline
▲ 0.50% · 4.625%
HK$68,696
+HK$3,439/mo
Deposit HK$8.14M · loan HK$12.20M · min. income ≈ HK$130,514/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$783,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,927
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$66,946
−HK$2,052/mo
Today · 4.125%
HK$68,998
baseline
▲ 0.50% · 4.625%
HK$73,197
+HK$4,199/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$137,996/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$783,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,230
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$74,168
−HK$1,965/mo
Today · 4.125%
HK$76,133
baseline
▲ 0.50% · 4.625%
HK$80,146
+HK$4,013/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$152,266/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$783,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,477
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$86,074
−HK$2,638/mo
Today · 4.125%
HK$88,712
baseline
▲ 0.50% · 4.625%
HK$94,110
+HK$5,398/mo
Deposit HK$2.03M · loan HK$18.30M · min. income ≈ HK$177,424/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$783,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,868
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$95,358
−HK$2,527/mo
Today · 4.125%
HK$97,885
baseline
▲ 0.50% · 4.625%
HK$103,045
+HK$5,160/mo
Deposit HK$2.03M · loan HK$18.30M · min. income ≈ HK$195,770/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$783,819 · Scale 2, in force from 26 Feb 2026)