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$46,388
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,831
−HK$1,466/mo
Today · 4.125%
HK$49,297
baseline
▲ 0.50% · 4.625%
HK$52,297
+HK$3,000/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$98,594/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$784,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,607
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,991
−HK$1,404/mo
Today · 4.125%
HK$54,395
baseline
▲ 0.50% · 4.625%
HK$57,262
+HK$2,867/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$108,790/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$784,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,666
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,398
−HK$1,759/mo
Today · 4.125%
HK$59,157
baseline
▲ 0.50% · 4.625%
HK$62,756
+HK$3,599/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$118,314/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$784,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,928
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,589
−HK$1,685/mo
Today · 4.125%
HK$65,274
baseline
▲ 0.50% · 4.625%
HK$68,714
+HK$3,440/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$130,548/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$784,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,944
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$66,964
−HK$2,052/mo
Today · 4.125%
HK$69,016
baseline
▲ 0.50% · 4.625%
HK$73,216
+HK$4,200/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$138,032/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$784,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,249
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$74,187
−HK$1,966/mo
Today · 4.125%
HK$76,153
baseline
▲ 0.50% · 4.625%
HK$80,167
+HK$4,014/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$152,306/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$784,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,499
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$86,096
−HK$2,639/mo
Today · 4.125%
HK$88,735
baseline
▲ 0.50% · 4.625%
HK$94,135
+HK$5,400/mo
Deposit HK$2.03M · loan HK$18.31M · min. income ≈ HK$177,470/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$784,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,892
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$95,383
−HK$2,528/mo
Today · 4.125%
HK$97,911
baseline
▲ 0.50% · 4.625%
HK$103,072
+HK$5,161/mo
Deposit HK$2.03M · loan HK$18.31M · min. income ≈ HK$195,822/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$784,349 · Scale 2, in force from 26 Feb 2026)