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$46,033
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,465
−HK$1,454/mo
Today · 4.125%
HK$48,919
baseline
▲ 0.50% · 4.625%
HK$51,896
+HK$2,977/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$97,838/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$768,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,211
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,584
−HK$1,394/mo
Today · 4.125%
HK$53,978
baseline
▲ 0.50% · 4.625%
HK$56,823
+HK$2,845/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$107,956/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$768,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,239
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$56,957
−HK$1,746/mo
Today · 4.125%
HK$58,703
baseline
▲ 0.50% · 4.625%
HK$62,275
+HK$3,572/mo
Deposit HK$8.07M · loan HK$12.11M · min. income ≈ HK$117,406/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$768,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,453
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,101
−HK$1,672/mo
Today · 4.125%
HK$64,773
baseline
▲ 0.50% · 4.625%
HK$68,187
+HK$3,414/mo
Deposit HK$8.07M · loan HK$12.11M · min. income ≈ HK$129,546/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$768,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,446
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$66,450
−HK$2,037/mo
Today · 4.125%
HK$68,487
baseline
▲ 0.50% · 4.625%
HK$72,654
+HK$4,167/mo
Deposit HK$6.06M · loan HK$14.13M · min. income ≈ HK$136,974/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$768,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,695
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$73,618
−HK$1,951/mo
Today · 4.125%
HK$75,569
baseline
▲ 0.50% · 4.625%
HK$79,552
+HK$3,983/mo
Deposit HK$6.06M · loan HK$14.13M · min. income ≈ HK$151,138/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$768,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,859
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$85,436
−HK$2,619/mo
Today · 4.125%
HK$88,055
baseline
▲ 0.50% · 4.625%
HK$93,413
+HK$5,358/mo
Deposit HK$2.02M · loan HK$18.17M · min. income ≈ HK$176,110/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$768,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,180
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$94,652
−HK$2,508/mo
Today · 4.125%
HK$97,160
baseline
▲ 0.50% · 4.625%
HK$102,281
+HK$5,121/mo
Deposit HK$2.02M · loan HK$18.17M · min. income ≈ HK$194,320/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$768,749 · Scale 2, in force from 26 Feb 2026)