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$46,032
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$47,464
−HK$1,455/mo
Today · 4.125%
HK$48,919
baseline
▲ 0.50% · 4.625%
HK$51,895
+HK$2,976/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$97,838/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$768,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,210
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,584
−HK$1,393/mo
Today · 4.125%
HK$53,977
baseline
▲ 0.50% · 4.625%
HK$56,822
+HK$2,845/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$107,954/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$768,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,238
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$56,957
−HK$1,745/mo
Today · 4.125%
HK$58,702
baseline
▲ 0.50% · 4.625%
HK$62,274
+HK$3,572/mo
Deposit HK$8.07M · loan HK$12.11M · min. income ≈ HK$117,404/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$768,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,452
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,100
−HK$1,672/mo
Today · 4.125%
HK$64,772
baseline
▲ 0.50% · 4.625%
HK$68,186
+HK$3,414/mo
Deposit HK$8.07M · loan HK$12.11M · min. income ≈ HK$129,544/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$768,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,445
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$66,449
−HK$2,037/mo
Today · 4.125%
HK$68,486
baseline
▲ 0.50% · 4.625%
HK$72,653
+HK$4,167/mo
Deposit HK$6.06M · loan HK$14.13M · min. income ≈ HK$136,972/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$768,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,694
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$73,617
−HK$1,951/mo
Today · 4.125%
HK$75,568
baseline
▲ 0.50% · 4.625%
HK$79,551
+HK$3,983/mo
Deposit HK$6.06M · loan HK$14.13M · min. income ≈ HK$151,136/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$768,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,858
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$85,435
−HK$2,618/mo
Today · 4.125%
HK$88,053
baseline
▲ 0.50% · 4.625%
HK$93,411
+HK$5,358/mo
Deposit HK$2.02M · loan HK$18.17M · min. income ≈ HK$176,106/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$768,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,178
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$94,650
−HK$2,508/mo
Today · 4.125%
HK$97,158
baseline
▲ 0.50% · 4.625%
HK$102,280
+HK$5,122/mo
Deposit HK$2.02M · loan HK$18.17M · min. income ≈ HK$194,316/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$768,720 · Scale 2, in force from 26 Feb 2026)