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$46,014
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,446
−HK$1,454/mo
Today · 4.125%
HK$48,900
baseline
▲ 0.50% · 4.625%
HK$51,875
+HK$2,975/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$97,800/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$767,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,191
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,564
−HK$1,392/mo
Today · 4.125%
HK$53,956
baseline
▲ 0.50% · 4.625%
HK$56,800
+HK$2,844/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$107,912/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$767,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,217
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,935
−HK$1,745/mo
Today · 4.125%
HK$58,680
baseline
▲ 0.50% · 4.625%
HK$62,250
+HK$3,570/mo
Deposit HK$8.07M · loan HK$12.11M · min. income ≈ HK$117,360/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$767,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,429
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,076
−HK$1,672/mo
Today · 4.125%
HK$64,748
baseline
▲ 0.50% · 4.625%
HK$68,160
+HK$3,412/mo
Deposit HK$8.07M · loan HK$12.11M · min. income ≈ HK$129,496/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$767,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,420
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$66,424
−HK$2,036/mo
Today · 4.125%
HK$68,460
baseline
▲ 0.50% · 4.625%
HK$72,626
+HK$4,166/mo
Deposit HK$6.05M · loan HK$14.13M · min. income ≈ HK$136,920/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$767,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,667
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$73,589
−HK$1,950/mo
Today · 4.125%
HK$75,539
baseline
▲ 0.50% · 4.625%
HK$79,521
+HK$3,982/mo
Deposit HK$6.05M · loan HK$14.13M · min. income ≈ HK$151,078/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$767,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,826
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$85,402
−HK$2,618/mo
Today · 4.125%
HK$88,020
baseline
▲ 0.50% · 4.625%
HK$93,376
+HK$5,356/mo
Deposit HK$2.02M · loan HK$18.16M · min. income ≈ HK$176,040/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$767,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,143
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$94,614
−HK$2,507/mo
Today · 4.125%
HK$97,121
baseline
▲ 0.50% · 4.625%
HK$102,241
+HK$5,120/mo
Deposit HK$2.02M · loan HK$18.16M · min. income ≈ HK$194,242/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$767,951 · Scale 2, in force from 26 Feb 2026)