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$46,060
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,492
−HK$1,456/mo
Today · 4.125%
HK$48,948
baseline
▲ 0.50% · 4.625%
HK$51,926
+HK$2,978/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$97,896/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$769,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,241
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,615
−HK$1,394/mo
Today · 4.125%
HK$54,009
baseline
▲ 0.50% · 4.625%
HK$56,856
+HK$2,847/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$108,018/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$769,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,272
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$56,991
−HK$1,747/mo
Today · 4.125%
HK$58,738
baseline
▲ 0.50% · 4.625%
HK$62,312
+HK$3,574/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$117,476/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$769,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,489
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$63,138
−HK$1,673/mo
Today · 4.125%
HK$64,811
baseline
▲ 0.50% · 4.625%
HK$68,228
+HK$3,417/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$129,622/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$769,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,484
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$66,489
−HK$2,038/mo
Today · 4.125%
HK$68,527
baseline
▲ 0.50% · 4.625%
HK$72,697
+HK$4,170/mo
Deposit HK$6.06M · loan HK$14.14M · min. income ≈ HK$137,054/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$769,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,737
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$73,661
−HK$1,952/mo
Today · 4.125%
HK$75,613
baseline
▲ 0.50% · 4.625%
HK$79,599
+HK$3,986/mo
Deposit HK$6.06M · loan HK$14.14M · min. income ≈ HK$151,226/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$769,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,908
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$85,486
−HK$2,621/mo
Today · 4.125%
HK$88,107
baseline
▲ 0.50% · 4.625%
HK$93,468
+HK$5,361/mo
Deposit HK$2.02M · loan HK$18.18M · min. income ≈ HK$176,214/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$769,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,234
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$94,707
−HK$2,510/mo
Today · 4.125%
HK$97,217
baseline
▲ 0.50% · 4.625%
HK$102,341
+HK$5,124/mo
Deposit HK$2.02M · loan HK$18.18M · min. income ≈ HK$194,434/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$769,938 · Scale 2, in force from 26 Feb 2026)