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$46,042
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$47,474
−HK$1,455/mo
Today · 4.125%
HK$48,929
baseline
▲ 0.50% · 4.625%
HK$51,907
+HK$2,978/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$97,858/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$769,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,221
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,595
−HK$1,394/mo
Today · 4.125%
HK$53,989
baseline
▲ 0.50% · 4.625%
HK$56,835
+HK$2,846/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$107,978/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$769,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,251
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$56,969
−HK$1,746/mo
Today · 4.125%
HK$58,715
baseline
▲ 0.50% · 4.625%
HK$62,288
+HK$3,573/mo
Deposit HK$8.08M · loan HK$12.11M · min. income ≈ HK$117,430/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$769,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,466
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$63,114
−HK$1,673/mo
Today · 4.125%
HK$64,787
baseline
▲ 0.50% · 4.625%
HK$68,202
+HK$3,415/mo
Deposit HK$8.08M · loan HK$12.11M · min. income ≈ HK$129,574/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$769,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,459
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$66,464
−HK$2,037/mo
Today · 4.125%
HK$68,501
baseline
▲ 0.50% · 4.625%
HK$72,669
+HK$4,168/mo
Deposit HK$6.06M · loan HK$14.13M · min. income ≈ HK$137,002/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$769,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,710
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$73,633
−HK$1,951/mo
Today · 4.125%
HK$75,584
baseline
▲ 0.50% · 4.625%
HK$79,568
+HK$3,984/mo
Deposit HK$6.06M · loan HK$14.13M · min. income ≈ HK$151,168/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$769,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,876
−HK$5,197/mo
▼ 0.25% · 3.875%
HK$85,454
−HK$2,619/mo
Today · 4.125%
HK$88,073
baseline
▲ 0.50% · 4.625%
HK$93,432
+HK$5,359/mo
Deposit HK$2.02M · loan HK$18.17M · min. income ≈ HK$176,146/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$769,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,199
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$94,671
−HK$2,509/mo
Today · 4.125%
HK$97,180
baseline
▲ 0.50% · 4.625%
HK$102,302
+HK$5,122/mo
Deposit HK$2.02M · loan HK$18.17M · min. income ≈ HK$194,360/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$769,167 · Scale 2, in force from 26 Feb 2026)