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$46,002
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,433
−HK$1,454/mo
Today · 4.125%
HK$48,887
baseline
▲ 0.50% · 4.625%
HK$51,862
+HK$2,975/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$97,774/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$767,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,177
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,550
−HK$1,392/mo
Today · 4.125%
HK$53,942
baseline
▲ 0.50% · 4.625%
HK$56,785
+HK$2,843/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$107,884/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$767,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,203
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$56,920
−HK$1,744/mo
Today · 4.125%
HK$58,664
baseline
▲ 0.50% · 4.625%
HK$62,234
+HK$3,570/mo
Deposit HK$8.07M · loan HK$12.10M · min. income ≈ HK$117,328/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$767,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,412
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,059
−HK$1,671/mo
Today · 4.125%
HK$64,730
baseline
▲ 0.50% · 4.625%
HK$68,142
+HK$3,412/mo
Deposit HK$8.07M · loan HK$12.10M · min. income ≈ HK$129,460/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$767,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,403
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$66,406
−HK$2,036/mo
Today · 4.125%
HK$68,442
baseline
▲ 0.50% · 4.625%
HK$72,606
+HK$4,164/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$136,884/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$767,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,648
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$73,569
−HK$1,950/mo
Today · 4.125%
HK$75,519
baseline
▲ 0.50% · 4.625%
HK$79,499
+HK$3,980/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$151,038/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$767,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,804
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$85,380
−HK$2,616/mo
Today · 4.125%
HK$87,996
baseline
▲ 0.50% · 4.625%
HK$93,351
+HK$5,355/mo
Deposit HK$2.02M · loan HK$18.16M · min. income ≈ HK$175,992/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$767,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,119
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$94,589
−HK$2,506/mo
Today · 4.125%
HK$97,095
baseline
▲ 0.50% · 4.625%
HK$102,213
+HK$5,118/mo
Deposit HK$2.02M · loan HK$18.16M · min. income ≈ HK$194,190/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$767,413 · Scale 2, in force from 26 Feb 2026)