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$46,057
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,490
−HK$1,456/mo
Today · 4.125%
HK$48,946
baseline
▲ 0.50% · 4.625%
HK$51,924
+HK$2,978/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$97,892/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$769,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,238
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$52,613
−HK$1,394/mo
Today · 4.125%
HK$54,007
baseline
▲ 0.50% · 4.625%
HK$56,853
+HK$2,846/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$108,014/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$769,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,269
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$56,988
−HK$1,747/mo
Today · 4.125%
HK$58,735
baseline
▲ 0.50% · 4.625%
HK$62,309
+HK$3,574/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$117,470/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$769,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,486
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$63,135
−HK$1,673/mo
Today · 4.125%
HK$64,808
baseline
▲ 0.50% · 4.625%
HK$68,224
+HK$3,416/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$129,616/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$769,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,480
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$66,486
−HK$2,038/mo
Today · 4.125%
HK$68,524
baseline
▲ 0.50% · 4.625%
HK$72,693
+HK$4,169/mo
Deposit HK$6.06M · loan HK$14.14M · min. income ≈ HK$137,048/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$769,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,734
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$73,658
−HK$1,951/mo
Today · 4.125%
HK$75,609
baseline
▲ 0.50% · 4.625%
HK$79,595
+HK$3,986/mo
Deposit HK$6.06M · loan HK$14.14M · min. income ≈ HK$151,218/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$769,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,903
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$85,482
−HK$2,620/mo
Today · 4.125%
HK$88,102
baseline
▲ 0.50% · 4.625%
HK$93,463
+HK$5,361/mo
Deposit HK$2.02M · loan HK$18.18M · min. income ≈ HK$176,204/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$769,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,229
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$94,703
−HK$2,509/mo
Today · 4.125%
HK$97,212
baseline
▲ 0.50% · 4.625%
HK$102,336
+HK$5,124/mo
Deposit HK$2.02M · loan HK$18.18M · min. income ≈ HK$194,424/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$769,833 · Scale 2, in force from 26 Feb 2026)