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$46,143
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,578
−HK$1,459/mo
Today · 4.125%
HK$49,037
baseline
▲ 0.50% · 4.625%
HK$52,020
+HK$2,983/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$98,074/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$773,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,334
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,710
−HK$1,397/mo
Today · 4.125%
HK$54,107
baseline
▲ 0.50% · 4.625%
HK$56,959
+HK$2,852/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$108,214/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$773,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,372
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$57,094
−HK$1,750/mo
Today · 4.125%
HK$58,844
baseline
▲ 0.50% · 4.625%
HK$62,424
+HK$3,580/mo
Deposit HK$8.09M · loan HK$12.14M · min. income ≈ HK$117,688/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$773,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,600
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$63,252
−HK$1,676/mo
Today · 4.125%
HK$64,928
baseline
▲ 0.50% · 4.625%
HK$68,351
+HK$3,423/mo
Deposit HK$8.09M · loan HK$12.14M · min. income ≈ HK$129,856/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$773,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,600
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$66,610
−HK$2,041/mo
Today · 4.125%
HK$68,651
baseline
▲ 0.50% · 4.625%
HK$72,829
+HK$4,178/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$137,302/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$773,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,867
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$73,795
−HK$1,955/mo
Today · 4.125%
HK$75,750
baseline
▲ 0.50% · 4.625%
HK$79,743
+HK$3,993/mo
Deposit HK$6.07M · loan HK$14.17M · min. income ≈ HK$151,500/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$773,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,057
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$85,641
−HK$2,625/mo
Today · 4.125%
HK$88,266
baseline
▲ 0.50% · 4.625%
HK$93,637
+HK$5,371/mo
Deposit HK$2.02M · loan HK$18.21M · min. income ≈ HK$176,532/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$773,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,401
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$94,879
−HK$2,514/mo
Today · 4.125%
HK$97,393
baseline
▲ 0.50% · 4.625%
HK$102,526
+HK$5,133/mo
Deposit HK$2.02M · loan HK$18.21M · min. income ≈ HK$194,786/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$773,590 · Scale 2, in force from 26 Feb 2026)