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$45,993
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,424
−HK$1,453/mo
Today · 4.125%
HK$48,877
baseline
▲ 0.50% · 4.625%
HK$51,851
+HK$2,974/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$97,754/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$767,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,167
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,539
−HK$1,392/mo
Today · 4.125%
HK$53,931
baseline
▲ 0.50% · 4.625%
HK$56,774
+HK$2,843/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$107,862/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$767,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,192
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$56,908
−HK$1,745/mo
Today · 4.125%
HK$58,653
baseline
▲ 0.50% · 4.625%
HK$62,221
+HK$3,568/mo
Deposit HK$8.07M · loan HK$12.10M · min. income ≈ HK$117,306/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$767,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,400
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,047
−HK$1,670/mo
Today · 4.125%
HK$64,717
baseline
▲ 0.50% · 4.625%
HK$68,129
+HK$3,412/mo
Deposit HK$8.07M · loan HK$12.10M · min. income ≈ HK$129,434/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$767,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,390
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$66,393
−HK$2,035/mo
Today · 4.125%
HK$68,428
baseline
▲ 0.50% · 4.625%
HK$72,592
+HK$4,164/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$136,856/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$767,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,633
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$73,555
−HK$1,949/mo
Today · 4.125%
HK$75,504
baseline
▲ 0.50% · 4.625%
HK$79,483
+HK$3,979/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$151,008/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$767,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,787
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$85,363
−HK$2,616/mo
Today · 4.125%
HK$87,979
baseline
▲ 0.50% · 4.625%
HK$93,332
+HK$5,353/mo
Deposit HK$2.02M · loan HK$18.15M · min. income ≈ HK$175,958/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$767,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,100
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$94,570
−HK$2,506/mo
Today · 4.125%
HK$97,076
baseline
▲ 0.50% · 4.625%
HK$102,193
+HK$5,117/mo
Deposit HK$2.02M · loan HK$18.15M · min. income ≈ HK$194,152/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$767,010 · Scale 2, in force from 26 Feb 2026)