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$45,996
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,426
−HK$1,454/mo
Today · 4.125%
HK$48,880
baseline
▲ 0.50% · 4.625%
HK$51,854
+HK$2,974/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$97,760/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$767,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,170
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,542
−HK$1,392/mo
Today · 4.125%
HK$53,934
baseline
▲ 0.50% · 4.625%
HK$56,777
+HK$2,843/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$107,868/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$767,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,195
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$56,912
−HK$1,744/mo
Today · 4.125%
HK$58,656
baseline
▲ 0.50% · 4.625%
HK$62,225
+HK$3,569/mo
Deposit HK$8.07M · loan HK$12.10M · min. income ≈ HK$117,312/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$767,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,404
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,050
−HK$1,671/mo
Today · 4.125%
HK$64,721
baseline
▲ 0.50% · 4.625%
HK$68,133
+HK$3,412/mo
Deposit HK$8.07M · loan HK$12.10M · min. income ≈ HK$129,442/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$767,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,394
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$66,397
−HK$2,035/mo
Today · 4.125%
HK$68,432
baseline
▲ 0.50% · 4.625%
HK$72,596
+HK$4,164/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$136,864/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$767,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,638
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$73,559
−HK$1,949/mo
Today · 4.125%
HK$75,508
baseline
▲ 0.50% · 4.625%
HK$79,488
+HK$3,980/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$151,016/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$767,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,792
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$85,367
−HK$2,617/mo
Today · 4.125%
HK$87,984
baseline
▲ 0.50% · 4.625%
HK$93,338
+HK$5,354/mo
Deposit HK$2.02M · loan HK$18.15M · min. income ≈ HK$175,968/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$767,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,105
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$94,576
−HK$2,506/mo
Today · 4.125%
HK$97,082
baseline
▲ 0.50% · 4.625%
HK$102,199
+HK$5,117/mo
Deposit HK$2.02M · loan HK$18.15M · min. income ≈ HK$194,164/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$767,127 · Scale 2, in force from 26 Feb 2026)