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$46,501
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$47,947
−HK$1,470/mo
Today · 4.125%
HK$49,417
baseline
▲ 0.50% · 4.625%
HK$52,424
+HK$3,007/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$98,834/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$789,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,731
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$53,119
−HK$1,407/mo
Today · 4.125%
HK$54,526
baseline
▲ 0.50% · 4.625%
HK$57,401
+HK$2,875/mo
Deposit HK$10.20M · loan HK$10.20M · min. income ≈ HK$109,052/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$789,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,801
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$57,536
−HK$1,764/mo
Today · 4.125%
HK$59,300
baseline
▲ 0.50% · 4.625%
HK$62,908
+HK$3,608/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$118,600/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$789,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,078
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,743
−HK$1,689/mo
Today · 4.125%
HK$65,432
baseline
▲ 0.50% · 4.625%
HK$68,881
+HK$3,449/mo
Deposit HK$8.16M · loan HK$12.24M · min. income ≈ HK$130,864/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$789,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,101
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$67,126
−HK$2,057/mo
Today · 4.125%
HK$69,183
baseline
▲ 0.50% · 4.625%
HK$73,393
+HK$4,210/mo
Deposit HK$6.12M · loan HK$14.27M · min. income ≈ HK$138,366/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$789,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,424
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$74,366
−HK$1,971/mo
Today · 4.125%
HK$76,337
baseline
▲ 0.50% · 4.625%
HK$80,361
+HK$4,024/mo
Deposit HK$6.12M · loan HK$14.27M · min. income ≈ HK$152,674/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$789,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,701
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$86,305
−HK$2,645/mo
Today · 4.125%
HK$88,950
baseline
▲ 0.50% · 4.625%
HK$94,362
+HK$5,412/mo
Deposit HK$2.04M · loan HK$18.35M · min. income ≈ HK$177,900/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$789,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,117
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$95,614
−HK$2,533/mo
Today · 4.125%
HK$98,147
baseline
▲ 0.50% · 4.625%
HK$103,321
+HK$5,174/mo
Deposit HK$2.04M · loan HK$18.35M · min. income ≈ HK$196,294/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$789,272 · Scale 2, in force from 26 Feb 2026)