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$46,022
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,453
−HK$1,455/mo
Today · 4.125%
HK$48,908
baseline
▲ 0.50% · 4.625%
HK$51,884
+HK$2,976/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$97,816/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$768,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,199
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$52,572
−HK$1,393/mo
Today · 4.125%
HK$53,965
baseline
▲ 0.50% · 4.625%
HK$56,810
+HK$2,845/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$107,930/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$768,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,226
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,944
−HK$1,745/mo
Today · 4.125%
HK$58,689
baseline
▲ 0.50% · 4.625%
HK$62,261
+HK$3,572/mo
Deposit HK$8.07M · loan HK$12.11M · min. income ≈ HK$117,378/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$768,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,439
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,086
−HK$1,672/mo
Today · 4.125%
HK$64,758
baseline
▲ 0.50% · 4.625%
HK$68,171
+HK$3,413/mo
Deposit HK$8.07M · loan HK$12.11M · min. income ≈ HK$129,516/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$768,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,431
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$66,435
−HK$2,036/mo
Today · 4.125%
HK$68,471
baseline
▲ 0.50% · 4.625%
HK$72,637
+HK$4,166/mo
Deposit HK$6.05M · loan HK$14.13M · min. income ≈ HK$136,942/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$768,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,678
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$73,601
−HK$1,950/mo
Today · 4.125%
HK$75,551
baseline
▲ 0.50% · 4.625%
HK$79,533
+HK$3,982/mo
Deposit HK$6.05M · loan HK$14.13M · min. income ≈ HK$151,102/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$768,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,839
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$85,416
−HK$2,618/mo
Today · 4.125%
HK$88,034
baseline
▲ 0.50% · 4.625%
HK$93,391
+HK$5,357/mo
Deposit HK$2.02M · loan HK$18.16M · min. income ≈ HK$176,068/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$768,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,158
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$94,630
−HK$2,507/mo
Today · 4.125%
HK$97,137
baseline
▲ 0.50% · 4.625%
HK$102,257
+HK$5,120/mo
Deposit HK$2.02M · loan HK$18.16M · min. income ≈ HK$194,274/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$768,276 · Scale 2, in force from 26 Feb 2026)