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$46,051
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,484
−HK$1,455/mo
Today · 4.125%
HK$48,939
baseline
▲ 0.50% · 4.625%
HK$51,917
+HK$2,978/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$97,878/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$769,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,232
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,606
−HK$1,393/mo
Today · 4.125%
HK$53,999
baseline
▲ 0.50% · 4.625%
HK$56,846
+HK$2,847/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$107,998/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$769,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,262
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$56,980
−HK$1,747/mo
Today · 4.125%
HK$58,727
baseline
▲ 0.50% · 4.625%
HK$62,300
+HK$3,573/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$117,454/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$769,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,478
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$63,127
−HK$1,672/mo
Today · 4.125%
HK$64,799
baseline
▲ 0.50% · 4.625%
HK$68,215
+HK$3,416/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$129,598/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$769,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,472
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$66,477
−HK$2,038/mo
Today · 4.125%
HK$68,515
baseline
▲ 0.50% · 4.625%
HK$72,684
+HK$4,169/mo
Deposit HK$6.06M · loan HK$14.14M · min. income ≈ HK$137,030/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$769,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,724
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$73,648
−HK$1,951/mo
Today · 4.125%
HK$75,599
baseline
▲ 0.50% · 4.625%
HK$79,584
+HK$3,985/mo
Deposit HK$6.06M · loan HK$14.14M · min. income ≈ HK$151,198/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$769,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,892
−HK$5,198/mo
▼ 0.25% · 3.875%
HK$85,471
−HK$2,619/mo
Today · 4.125%
HK$88,090
baseline
▲ 0.50% · 4.625%
HK$93,450
+HK$5,360/mo
Deposit HK$2.02M · loan HK$18.18M · min. income ≈ HK$176,180/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$769,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,217
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$94,690
−HK$2,509/mo
Today · 4.125%
HK$97,199
baseline
▲ 0.50% · 4.625%
HK$102,322
+HK$5,123/mo
Deposit HK$2.02M · loan HK$18.18M · min. income ≈ HK$194,398/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$769,565 · Scale 2, in force from 26 Feb 2026)