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$46,305
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$47,745
−HK$1,463/mo
Today · 4.125%
HK$49,208
baseline
▲ 0.50% · 4.625%
HK$52,203
+HK$2,995/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$98,416/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$780,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,514
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,895
−HK$1,402/mo
Today · 4.125%
HK$54,297
baseline
▲ 0.50% · 4.625%
HK$57,159
+HK$2,862/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$108,594/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$780,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,566
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$57,294
−HK$1,756/mo
Today · 4.125%
HK$59,050
baseline
▲ 0.50% · 4.625%
HK$62,643
+HK$3,593/mo
Deposit HK$8.12M · loan HK$12.18M · min. income ≈ HK$118,100/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$780,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,816
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,474
−HK$1,682/mo
Today · 4.125%
HK$65,156
baseline
▲ 0.50% · 4.625%
HK$68,590
+HK$3,434/mo
Deposit HK$8.12M · loan HK$12.18M · min. income ≈ HK$130,312/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$780,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,827
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$66,843
−HK$2,049/mo
Today · 4.125%
HK$68,892
baseline
▲ 0.50% · 4.625%
HK$73,084
+HK$4,192/mo
Deposit HK$6.09M · loan HK$14.21M · min. income ≈ HK$137,784/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$780,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,119
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$74,053
−HK$1,962/mo
Today · 4.125%
HK$76,015
baseline
▲ 0.50% · 4.625%
HK$80,022
+HK$4,007/mo
Deposit HK$6.09M · loan HK$14.21M · min. income ≈ HK$152,030/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$780,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,348
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$85,941
−HK$2,634/mo
Today · 4.125%
HK$88,575
baseline
▲ 0.50% · 4.625%
HK$93,965
+HK$5,390/mo
Deposit HK$2.03M · loan HK$18.28M · min. income ≈ HK$177,150/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$780,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,724
−HK$5,010/mo
▼ 0.25% · 3.875%
HK$95,211
−HK$2,523/mo
Today · 4.125%
HK$97,734
baseline
▲ 0.50% · 4.625%
HK$102,886
+HK$5,152/mo
Deposit HK$2.03M · loan HK$18.28M · min. income ≈ HK$195,468/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$780,681 · Scale 2, in force from 26 Feb 2026)