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$46,025
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,457
−HK$1,454/mo
Today · 4.125%
HK$48,911
baseline
▲ 0.50% · 4.625%
HK$51,887
+HK$2,976/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$97,822/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$768,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,202
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,576
−HK$1,393/mo
Today · 4.125%
HK$53,969
baseline
▲ 0.50% · 4.625%
HK$56,813
+HK$2,844/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$107,938/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$768,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,230
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,948
−HK$1,745/mo
Today · 4.125%
HK$58,693
baseline
▲ 0.50% · 4.625%
HK$62,265
+HK$3,572/mo
Deposit HK$8.07M · loan HK$12.11M · min. income ≈ HK$117,386/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$768,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,443
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,091
−HK$1,671/mo
Today · 4.125%
HK$64,762
baseline
▲ 0.50% · 4.625%
HK$68,176
+HK$3,414/mo
Deposit HK$8.07M · loan HK$12.11M · min. income ≈ HK$129,524/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$768,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,435
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$66,439
−HK$2,037/mo
Today · 4.125%
HK$68,476
baseline
▲ 0.50% · 4.625%
HK$72,642
+HK$4,166/mo
Deposit HK$6.06M · loan HK$14.13M · min. income ≈ HK$136,952/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$768,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,683
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$73,606
−HK$1,950/mo
Today · 4.125%
HK$75,556
baseline
▲ 0.50% · 4.625%
HK$79,539
+HK$3,983/mo
Deposit HK$6.06M · loan HK$14.13M · min. income ≈ HK$151,112/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$768,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,845
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$85,422
−HK$2,618/mo
Today · 4.125%
HK$88,040
baseline
▲ 0.50% · 4.625%
HK$93,397
+HK$5,357/mo
Deposit HK$2.02M · loan HK$18.17M · min. income ≈ HK$176,080/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$768,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,164
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$94,636
−HK$2,508/mo
Today · 4.125%
HK$97,144
baseline
▲ 0.50% · 4.625%
HK$102,264
+HK$5,120/mo
Deposit HK$2.02M · loan HK$18.17M · min. income ≈ HK$194,288/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$768,412 · Scale 2, in force from 26 Feb 2026)