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$46,028
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$47,460
−HK$1,455/mo
Today · 4.125%
HK$48,915
baseline
▲ 0.50% · 4.625%
HK$51,891
+HK$2,976/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$97,830/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$768,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,206
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,579
−HK$1,394/mo
Today · 4.125%
HK$53,973
baseline
▲ 0.50% · 4.625%
HK$56,818
+HK$2,845/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$107,946/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$768,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,234
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$56,952
−HK$1,746/mo
Today · 4.125%
HK$58,698
baseline
▲ 0.50% · 4.625%
HK$62,269
+HK$3,571/mo
Deposit HK$8.07M · loan HK$12.11M · min. income ≈ HK$117,396/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$768,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,447
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,095
−HK$1,672/mo
Today · 4.125%
HK$64,767
baseline
▲ 0.50% · 4.625%
HK$68,181
+HK$3,414/mo
Deposit HK$8.07M · loan HK$12.11M · min. income ≈ HK$129,534/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$768,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,440
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$66,444
−HK$2,037/mo
Today · 4.125%
HK$68,481
baseline
▲ 0.50% · 4.625%
HK$72,648
+HK$4,167/mo
Deposit HK$6.06M · loan HK$14.13M · min. income ≈ HK$136,962/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$768,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,689
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$73,611
−HK$1,951/mo
Today · 4.125%
HK$75,562
baseline
▲ 0.50% · 4.625%
HK$79,545
+HK$3,983/mo
Deposit HK$6.06M · loan HK$14.13M · min. income ≈ HK$151,124/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$768,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,851
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$85,428
−HK$2,619/mo
Today · 4.125%
HK$88,047
baseline
▲ 0.50% · 4.625%
HK$93,404
+HK$5,357/mo
Deposit HK$2.02M · loan HK$18.17M · min. income ≈ HK$176,094/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$768,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,171
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$94,643
−HK$2,508/mo
Today · 4.125%
HK$97,151
baseline
▲ 0.50% · 4.625%
HK$102,272
+HK$5,121/mo
Deposit HK$2.02M · loan HK$18.17M · min. income ≈ HK$194,302/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$768,563 · Scale 2, in force from 26 Feb 2026)