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$46,005
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,436
−HK$1,454/mo
Today · 4.125%
HK$48,890
baseline
▲ 0.50% · 4.625%
HK$51,864
+HK$2,974/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$97,780/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$767,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,180
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,552
−HK$1,393/mo
Today · 4.125%
HK$53,945
baseline
▲ 0.50% · 4.625%
HK$56,788
+HK$2,843/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$107,890/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$767,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,206
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$56,923
−HK$1,744/mo
Today · 4.125%
HK$58,667
baseline
▲ 0.50% · 4.625%
HK$62,237
+HK$3,570/mo
Deposit HK$8.07M · loan HK$12.11M · min. income ≈ HK$117,334/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$767,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,416
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,063
−HK$1,671/mo
Today · 4.125%
HK$64,734
baseline
▲ 0.50% · 4.625%
HK$68,146
+HK$3,412/mo
Deposit HK$8.07M · loan HK$12.11M · min. income ≈ HK$129,468/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$767,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,407
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$66,410
−HK$2,035/mo
Today · 4.125%
HK$68,445
baseline
▲ 0.50% · 4.625%
HK$72,610
+HK$4,165/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$136,890/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$767,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,652
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$73,573
−HK$1,950/mo
Today · 4.125%
HK$75,523
baseline
▲ 0.50% · 4.625%
HK$79,504
+HK$3,981/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$151,046/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$767,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,808
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$85,384
−HK$2,617/mo
Today · 4.125%
HK$88,001
baseline
▲ 0.50% · 4.625%
HK$93,356
+HK$5,355/mo
Deposit HK$2.02M · loan HK$18.16M · min. income ≈ HK$176,002/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$767,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,124
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$94,594
−HK$2,507/mo
Today · 4.125%
HK$97,101
baseline
▲ 0.50% · 4.625%
HK$102,219
+HK$5,118/mo
Deposit HK$2.02M · loan HK$18.16M · min. income ≈ HK$194,202/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$767,522 · Scale 2, in force from 26 Feb 2026)