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$46,030
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,461
−HK$1,455/mo
Today · 4.125%
HK$48,916
baseline
▲ 0.50% · 4.625%
HK$51,892
+HK$2,976/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$97,832/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$768,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,207
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,581
−HK$1,393/mo
Today · 4.125%
HK$53,974
baseline
▲ 0.50% · 4.625%
HK$56,819
+HK$2,845/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$107,948/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$768,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,236
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,954
−HK$1,745/mo
Today · 4.125%
HK$58,699
baseline
▲ 0.50% · 4.625%
HK$62,271
+HK$3,572/mo
Deposit HK$8.07M · loan HK$12.11M · min. income ≈ HK$117,398/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$768,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,449
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,097
−HK$1,672/mo
Today · 4.125%
HK$64,769
baseline
▲ 0.50% · 4.625%
HK$68,183
+HK$3,414/mo
Deposit HK$8.07M · loan HK$12.11M · min. income ≈ HK$129,538/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$768,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,441
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$66,446
−HK$2,036/mo
Today · 4.125%
HK$68,482
baseline
▲ 0.50% · 4.625%
HK$72,649
+HK$4,167/mo
Deposit HK$6.06M · loan HK$14.13M · min. income ≈ HK$136,964/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$768,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,690
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$73,613
−HK$1,951/mo
Today · 4.125%
HK$75,564
baseline
▲ 0.50% · 4.625%
HK$79,547
+HK$3,983/mo
Deposit HK$6.06M · loan HK$14.13M · min. income ≈ HK$151,128/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$768,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,853
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$85,430
−HK$2,619/mo
Today · 4.125%
HK$88,049
baseline
▲ 0.50% · 4.625%
HK$93,406
+HK$5,357/mo
Deposit HK$2.02M · loan HK$18.17M · min. income ≈ HK$176,098/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$768,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,173
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$94,645
−HK$2,508/mo
Today · 4.125%
HK$97,153
baseline
▲ 0.50% · 4.625%
HK$102,274
+HK$5,121/mo
Deposit HK$2.02M · loan HK$18.17M · min. income ≈ HK$194,306/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$768,615 · Scale 2, in force from 26 Feb 2026)