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$46,023
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,454
−HK$1,455/mo
Today · 4.125%
HK$48,909
baseline
▲ 0.50% · 4.625%
HK$51,885
+HK$2,976/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$97,818/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$768,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,200
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$52,573
−HK$1,393/mo
Today · 4.125%
HK$53,966
baseline
▲ 0.50% · 4.625%
HK$56,810
+HK$2,844/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$107,932/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$768,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,227
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,945
−HK$1,745/mo
Today · 4.125%
HK$58,690
baseline
▲ 0.50% · 4.625%
HK$62,261
+HK$3,571/mo
Deposit HK$8.07M · loan HK$12.11M · min. income ≈ HK$117,380/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$768,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,440
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,087
−HK$1,672/mo
Today · 4.125%
HK$64,759
baseline
▲ 0.50% · 4.625%
HK$68,172
+HK$3,413/mo
Deposit HK$8.07M · loan HK$12.11M · min. income ≈ HK$129,518/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$768,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,432
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$66,436
−HK$2,036/mo
Today · 4.125%
HK$68,472
baseline
▲ 0.50% · 4.625%
HK$72,638
+HK$4,166/mo
Deposit HK$6.05M · loan HK$14.13M · min. income ≈ HK$136,944/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$768,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,679
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$73,602
−HK$1,950/mo
Today · 4.125%
HK$75,552
baseline
▲ 0.50% · 4.625%
HK$79,535
+HK$3,983/mo
Deposit HK$6.05M · loan HK$14.13M · min. income ≈ HK$151,104/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$768,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,841
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$85,417
−HK$2,618/mo
Today · 4.125%
HK$88,035
baseline
▲ 0.50% · 4.625%
HK$93,392
+HK$5,357/mo
Deposit HK$2.02M · loan HK$18.16M · min. income ≈ HK$176,070/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$768,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,159
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$94,631
−HK$2,507/mo
Today · 4.125%
HK$97,138
baseline
▲ 0.50% · 4.625%
HK$102,259
+HK$5,121/mo
Deposit HK$2.02M · loan HK$18.16M · min. income ≈ HK$194,276/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$768,307 · Scale 2, in force from 26 Feb 2026)