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$46,045
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$47,477
−HK$1,455/mo
Today · 4.125%
HK$48,932
baseline
▲ 0.50% · 4.625%
HK$51,910
+HK$2,978/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$97,864/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$769,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,224
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,598
−HK$1,394/mo
Today · 4.125%
HK$53,992
baseline
▲ 0.50% · 4.625%
HK$56,838
+HK$2,846/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$107,984/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$769,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,254
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$56,972
−HK$1,747/mo
Today · 4.125%
HK$58,719
baseline
▲ 0.50% · 4.625%
HK$62,292
+HK$3,573/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$117,438/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$769,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,469
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$63,118
−HK$1,672/mo
Today · 4.125%
HK$64,790
baseline
▲ 0.50% · 4.625%
HK$68,205
+HK$3,415/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$129,580/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$769,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,463
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$66,468
−HK$2,037/mo
Today · 4.125%
HK$68,505
baseline
▲ 0.50% · 4.625%
HK$72,673
+HK$4,168/mo
Deposit HK$6.06M · loan HK$14.13M · min. income ≈ HK$137,010/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$769,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,714
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$73,637
−HK$1,952/mo
Today · 4.125%
HK$75,589
baseline
▲ 0.50% · 4.625%
HK$79,573
+HK$3,984/mo
Deposit HK$6.06M · loan HK$14.13M · min. income ≈ HK$151,178/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$769,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,881
−HK$5,197/mo
▼ 0.25% · 3.875%
HK$85,459
−HK$2,619/mo
Today · 4.125%
HK$88,078
baseline
▲ 0.50% · 4.625%
HK$93,437
+HK$5,359/mo
Deposit HK$2.02M · loan HK$18.17M · min. income ≈ HK$176,156/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$769,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,204
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$94,677
−HK$2,508/mo
Today · 4.125%
HK$97,185
baseline
▲ 0.50% · 4.625%
HK$102,308
+HK$5,123/mo
Deposit HK$2.02M · loan HK$18.17M · min. income ≈ HK$194,370/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$769,282 · Scale 2, in force from 26 Feb 2026)