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$46,039
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$47,471
−HK$1,455/mo
Today · 4.125%
HK$48,926
baseline
▲ 0.50% · 4.625%
HK$51,903
+HK$2,977/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$97,852/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$769,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,218
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,592
−HK$1,393/mo
Today · 4.125%
HK$53,985
baseline
▲ 0.50% · 4.625%
HK$56,831
+HK$2,846/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$107,970/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$769,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,247
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$56,966
−HK$1,746/mo
Today · 4.125%
HK$58,712
baseline
▲ 0.50% · 4.625%
HK$62,284
+HK$3,572/mo
Deposit HK$8.08M · loan HK$12.11M · min. income ≈ HK$117,424/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$769,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,462
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,110
−HK$1,672/mo
Today · 4.125%
HK$64,782
baseline
▲ 0.50% · 4.625%
HK$68,197
+HK$3,415/mo
Deposit HK$8.08M · loan HK$12.11M · min. income ≈ HK$129,564/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$769,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,455
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$66,460
−HK$2,037/mo
Today · 4.125%
HK$68,497
baseline
▲ 0.50% · 4.625%
HK$72,665
+HK$4,168/mo
Deposit HK$6.06M · loan HK$14.13M · min. income ≈ HK$136,994/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$769,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,705
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$73,629
−HK$1,951/mo
Today · 4.125%
HK$75,580
baseline
▲ 0.50% · 4.625%
HK$79,563
+HK$3,983/mo
Deposit HK$6.06M · loan HK$14.13M · min. income ≈ HK$151,160/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$769,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,871
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$85,448
−HK$2,619/mo
Today · 4.125%
HK$88,067
baseline
▲ 0.50% · 4.625%
HK$93,426
+HK$5,359/mo
Deposit HK$2.02M · loan HK$18.17M · min. income ≈ HK$176,134/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$769,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,193
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$94,665
−HK$2,509/mo
Today · 4.125%
HK$97,174
baseline
▲ 0.50% · 4.625%
HK$102,296
+HK$5,122/mo
Deposit HK$2.02M · loan HK$18.17M · min. income ≈ HK$194,348/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$769,039 · Scale 2, in force from 26 Feb 2026)