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$46,054
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,486
−HK$1,456/mo
Today · 4.125%
HK$48,942
baseline
▲ 0.50% · 4.625%
HK$51,920
+HK$2,978/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$97,884/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$769,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,234
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,608
−HK$1,394/mo
Today · 4.125%
HK$54,002
baseline
▲ 0.50% · 4.625%
HK$56,849
+HK$2,847/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$108,004/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$769,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,264
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$56,984
−HK$1,746/mo
Today · 4.125%
HK$58,730
baseline
▲ 0.50% · 4.625%
HK$62,304
+HK$3,574/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$117,460/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$769,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,481
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$63,130
−HK$1,673/mo
Today · 4.125%
HK$64,803
baseline
▲ 0.50% · 4.625%
HK$68,219
+HK$3,416/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$129,606/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$769,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,475
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$66,481
−HK$2,037/mo
Today · 4.125%
HK$68,518
baseline
▲ 0.50% · 4.625%
HK$72,688
+HK$4,170/mo
Deposit HK$6.06M · loan HK$14.14M · min. income ≈ HK$137,036/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$769,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,728
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$73,652
−HK$1,951/mo
Today · 4.125%
HK$75,603
baseline
▲ 0.50% · 4.625%
HK$79,588
+HK$3,985/mo
Deposit HK$6.06M · loan HK$14.14M · min. income ≈ HK$151,206/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$769,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,897
−HK$5,198/mo
▼ 0.25% · 3.875%
HK$85,475
−HK$2,620/mo
Today · 4.125%
HK$88,095
baseline
▲ 0.50% · 4.625%
HK$93,455
+HK$5,360/mo
Deposit HK$2.02M · loan HK$18.18M · min. income ≈ HK$176,190/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$769,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,222
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$94,695
−HK$2,509/mo
Today · 4.125%
HK$97,204
baseline
▲ 0.50% · 4.625%
HK$102,328
+HK$5,124/mo
Deposit HK$2.02M · loan HK$18.18M · min. income ≈ HK$194,408/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$769,673 · Scale 2, in force from 26 Feb 2026)