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$46,059
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,492
−HK$1,455/mo
Today · 4.125%
HK$48,947
baseline
▲ 0.50% · 4.625%
HK$51,926
+HK$2,979/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$97,894/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$769,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,240
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,614
−HK$1,394/mo
Today · 4.125%
HK$54,008
baseline
▲ 0.50% · 4.625%
HK$56,855
+HK$2,847/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$108,016/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$769,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,271
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$56,990
−HK$1,747/mo
Today · 4.125%
HK$58,737
baseline
▲ 0.50% · 4.625%
HK$62,311
+HK$3,574/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$117,474/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$769,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,488
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$63,137
−HK$1,673/mo
Today · 4.125%
HK$64,810
baseline
▲ 0.50% · 4.625%
HK$68,226
+HK$3,416/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$129,620/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$769,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,482
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$66,488
−HK$2,038/mo
Today · 4.125%
HK$68,526
baseline
▲ 0.50% · 4.625%
HK$72,696
+HK$4,170/mo
Deposit HK$6.06M · loan HK$14.14M · min. income ≈ HK$137,052/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$769,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,736
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$73,660
−HK$1,952/mo
Today · 4.125%
HK$75,612
baseline
▲ 0.50% · 4.625%
HK$79,597
+HK$3,985/mo
Deposit HK$6.06M · loan HK$14.14M · min. income ≈ HK$151,224/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$769,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,906
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$85,485
−HK$2,620/mo
Today · 4.125%
HK$88,105
baseline
▲ 0.50% · 4.625%
HK$93,466
+HK$5,361/mo
Deposit HK$2.02M · loan HK$18.18M · min. income ≈ HK$176,210/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$769,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,232
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$94,706
−HK$2,509/mo
Today · 4.125%
HK$97,215
baseline
▲ 0.50% · 4.625%
HK$102,340
+HK$5,125/mo
Deposit HK$2.02M · loan HK$18.18M · min. income ≈ HK$194,430/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$769,901 · Scale 2, in force from 26 Feb 2026)