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$46,061
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,494
−HK$1,455/mo
Today · 4.125%
HK$48,949
baseline
▲ 0.50% · 4.625%
HK$51,928
+HK$2,979/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$97,898/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$769,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,242
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$52,617
−HK$1,394/mo
Today · 4.125%
HK$54,011
baseline
▲ 0.50% · 4.625%
HK$56,858
+HK$2,847/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$108,022/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$769,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,273
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$56,993
−HK$1,746/mo
Today · 4.125%
HK$58,739
baseline
▲ 0.50% · 4.625%
HK$62,314
+HK$3,575/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$117,478/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$769,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,491
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$63,140
−HK$1,673/mo
Today · 4.125%
HK$64,813
baseline
▲ 0.50% · 4.625%
HK$68,230
+HK$3,417/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$129,626/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$769,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,485
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$66,491
−HK$2,038/mo
Today · 4.125%
HK$68,529
baseline
▲ 0.50% · 4.625%
HK$72,699
+HK$4,170/mo
Deposit HK$6.06M · loan HK$14.14M · min. income ≈ HK$137,058/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$769,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,739
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$73,663
−HK$1,952/mo
Today · 4.125%
HK$75,615
baseline
▲ 0.50% · 4.625%
HK$79,601
+HK$3,986/mo
Deposit HK$6.06M · loan HK$14.14M · min. income ≈ HK$151,230/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$769,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,910
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$85,489
−HK$2,620/mo
Today · 4.125%
HK$88,109
baseline
▲ 0.50% · 4.625%
HK$93,470
+HK$5,361/mo
Deposit HK$2.02M · loan HK$18.18M · min. income ≈ HK$176,218/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$769,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,236
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$94,710
−HK$2,510/mo
Today · 4.125%
HK$97,220
baseline
▲ 0.50% · 4.625%
HK$102,344
+HK$5,124/mo
Deposit HK$2.02M · loan HK$18.18M · min. income ≈ HK$194,440/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$769,995 · Scale 2, in force from 26 Feb 2026)