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$46,020
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,451
−HK$1,455/mo
Today · 4.125%
HK$48,906
baseline
▲ 0.50% · 4.625%
HK$51,882
+HK$2,976/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$97,812/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$768,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,197
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$52,570
−HK$1,393/mo
Today · 4.125%
HK$53,963
baseline
▲ 0.50% · 4.625%
HK$56,807
+HK$2,844/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$107,926/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$768,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,224
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,942
−HK$1,745/mo
Today · 4.125%
HK$58,687
baseline
▲ 0.50% · 4.625%
HK$62,258
+HK$3,571/mo
Deposit HK$8.07M · loan HK$12.11M · min. income ≈ HK$117,374/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$768,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,436
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,084
−HK$1,671/mo
Today · 4.125%
HK$64,755
baseline
▲ 0.50% · 4.625%
HK$68,169
+HK$3,414/mo
Deposit HK$8.07M · loan HK$12.11M · min. income ≈ HK$129,510/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$768,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,428
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$66,432
−HK$2,036/mo
Today · 4.125%
HK$68,468
baseline
▲ 0.50% · 4.625%
HK$72,634
+HK$4,166/mo
Deposit HK$6.05M · loan HK$14.13M · min. income ≈ HK$136,936/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$768,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,675
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$73,598
−HK$1,950/mo
Today · 4.125%
HK$75,548
baseline
▲ 0.50% · 4.625%
HK$79,530
+HK$3,982/mo
Deposit HK$6.05M · loan HK$14.13M · min. income ≈ HK$151,096/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$768,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,836
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$85,412
−HK$2,618/mo
Today · 4.125%
HK$88,030
baseline
▲ 0.50% · 4.625%
HK$93,387
+HK$5,357/mo
Deposit HK$2.02M · loan HK$18.16M · min. income ≈ HK$176,060/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$768,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,154
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$94,626
−HK$2,507/mo
Today · 4.125%
HK$97,133
baseline
▲ 0.50% · 4.625%
HK$102,253
+HK$5,120/mo
Deposit HK$2.02M · loan HK$18.16M · min. income ≈ HK$194,266/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$768,190 · Scale 2, in force from 26 Feb 2026)