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$45,999
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,429
−HK$1,454/mo
Today · 4.125%
HK$48,883
baseline
▲ 0.50% · 4.625%
HK$51,857
+HK$2,974/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$97,766/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$767,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,173
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,545
−HK$1,393/mo
Today · 4.125%
HK$53,938
baseline
▲ 0.50% · 4.625%
HK$56,781
+HK$2,843/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$107,876/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$767,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,198
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,915
−HK$1,745/mo
Today · 4.125%
HK$58,660
baseline
▲ 0.50% · 4.625%
HK$62,229
+HK$3,569/mo
Deposit HK$8.07M · loan HK$12.10M · min. income ≈ HK$117,320/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$767,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,407
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,054
−HK$1,671/mo
Today · 4.125%
HK$64,725
baseline
▲ 0.50% · 4.625%
HK$68,137
+HK$3,412/mo
Deposit HK$8.07M · loan HK$12.10M · min. income ≈ HK$129,450/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$767,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,398
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$66,401
−HK$2,035/mo
Today · 4.125%
HK$68,436
baseline
▲ 0.50% · 4.625%
HK$72,600
+HK$4,164/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$136,872/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$767,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,642
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$73,563
−HK$1,950/mo
Today · 4.125%
HK$75,513
baseline
▲ 0.50% · 4.625%
HK$79,493
+HK$3,980/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$151,026/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$767,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,797
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$85,373
−HK$2,616/mo
Today · 4.125%
HK$87,989
baseline
▲ 0.50% · 4.625%
HK$93,343
+HK$5,354/mo
Deposit HK$2.02M · loan HK$18.16M · min. income ≈ HK$175,978/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$767,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,111
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$94,582
−HK$2,506/mo
Today · 4.125%
HK$97,088
baseline
▲ 0.50% · 4.625%
HK$102,205
+HK$5,117/mo
Deposit HK$2.02M · loan HK$18.16M · min. income ≈ HK$194,176/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$767,253 · Scale 2, in force from 26 Feb 2026)