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$46,264
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,703
−HK$1,462/mo
Today · 4.125%
HK$49,165
baseline
▲ 0.50% · 4.625%
HK$52,157
+HK$2,992/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$98,330/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$778,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,469
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,849
−HK$1,400/mo
Today · 4.125%
HK$54,249
baseline
▲ 0.50% · 4.625%
HK$57,109
+HK$2,860/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$108,498/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$778,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,517
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$57,244
−HK$1,755/mo
Today · 4.125%
HK$58,999
baseline
▲ 0.50% · 4.625%
HK$62,588
+HK$3,589/mo
Deposit HK$8.12M · loan HK$12.17M · min. income ≈ HK$117,998/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$778,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,762
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$63,419
−HK$1,680/mo
Today · 4.125%
HK$65,099
baseline
▲ 0.50% · 4.625%
HK$68,530
+HK$3,431/mo
Deposit HK$8.12M · loan HK$12.17M · min. income ≈ HK$130,198/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$778,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,770
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$66,785
−HK$2,047/mo
Today · 4.125%
HK$68,832
baseline
▲ 0.50% · 4.625%
HK$73,020
+HK$4,188/mo
Deposit HK$6.09M · loan HK$14.20M · min. income ≈ HK$137,664/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$778,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,056
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$73,988
−HK$1,961/mo
Today · 4.125%
HK$75,949
baseline
▲ 0.50% · 4.625%
HK$79,952
+HK$4,003/mo
Deposit HK$6.09M · loan HK$14.20M · min. income ≈ HK$151,898/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$778,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,276
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$85,866
−HK$2,632/mo
Today · 4.125%
HK$88,498
baseline
▲ 0.50% · 4.625%
HK$93,883
+HK$5,385/mo
Deposit HK$2.03M · loan HK$18.26M · min. income ≈ HK$176,996/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$778,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,643
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$95,128
−HK$2,521/mo
Today · 4.125%
HK$97,649
baseline
▲ 0.50% · 4.625%
HK$102,796
+HK$5,147/mo
Deposit HK$2.03M · loan HK$18.26M · min. income ≈ HK$195,298/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$778,906 · Scale 2, in force from 26 Feb 2026)