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$46,046
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$47,478
−HK$1,455/mo
Today · 4.125%
HK$48,933
baseline
▲ 0.50% · 4.625%
HK$51,911
+HK$2,978/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$97,866/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$769,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,225
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,599
−HK$1,394/mo
Today · 4.125%
HK$53,993
baseline
▲ 0.50% · 4.625%
HK$56,839
+HK$2,846/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$107,986/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$769,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,255
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$56,974
−HK$1,746/mo
Today · 4.125%
HK$58,720
baseline
▲ 0.50% · 4.625%
HK$62,293
+HK$3,573/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$117,440/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$769,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,470
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$63,119
−HK$1,673/mo
Today · 4.125%
HK$64,792
baseline
▲ 0.50% · 4.625%
HK$68,207
+HK$3,415/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$129,584/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$769,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,464
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$66,469
−HK$2,037/mo
Today · 4.125%
HK$68,506
baseline
▲ 0.50% · 4.625%
HK$72,675
+HK$4,169/mo
Deposit HK$6.06M · loan HK$14.14M · min. income ≈ HK$137,012/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$769,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,716
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$73,639
−HK$1,951/mo
Today · 4.125%
HK$75,590
baseline
▲ 0.50% · 4.625%
HK$79,575
+HK$3,985/mo
Deposit HK$6.06M · loan HK$14.14M · min. income ≈ HK$151,180/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$769,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,882
−HK$5,198/mo
▼ 0.25% · 3.875%
HK$85,460
−HK$2,620/mo
Today · 4.125%
HK$88,080
baseline
▲ 0.50% · 4.625%
HK$93,439
+HK$5,359/mo
Deposit HK$2.02M · loan HK$18.17M · min. income ≈ HK$176,160/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$769,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,206
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$94,679
−HK$2,508/mo
Today · 4.125%
HK$97,187
baseline
▲ 0.50% · 4.625%
HK$102,310
+HK$5,123/mo
Deposit HK$2.02M · loan HK$18.17M · min. income ≈ HK$194,374/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$769,322 · Scale 2, in force from 26 Feb 2026)