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$46,047
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,479
−HK$1,456/mo
Today · 4.125%
HK$48,935
baseline
▲ 0.50% · 4.625%
HK$51,912
+HK$2,977/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$97,870/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$769,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,227
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,601
−HK$1,393/mo
Today · 4.125%
HK$53,994
baseline
▲ 0.50% · 4.625%
HK$56,841
+HK$2,847/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$107,988/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$769,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,256
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$56,975
−HK$1,746/mo
Today · 4.125%
HK$58,721
baseline
▲ 0.50% · 4.625%
HK$62,295
+HK$3,574/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$117,442/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$769,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,472
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$63,121
−HK$1,672/mo
Today · 4.125%
HK$64,793
baseline
▲ 0.50% · 4.625%
HK$68,209
+HK$3,416/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$129,586/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$769,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,466
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$66,471
−HK$2,037/mo
Today · 4.125%
HK$68,508
baseline
▲ 0.50% · 4.625%
HK$72,677
+HK$4,169/mo
Deposit HK$6.06M · loan HK$14.14M · min. income ≈ HK$137,016/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$769,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,718
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$73,641
−HK$1,951/mo
Today · 4.125%
HK$75,592
baseline
▲ 0.50% · 4.625%
HK$79,577
+HK$3,985/mo
Deposit HK$6.06M · loan HK$14.14M · min. income ≈ HK$151,184/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$769,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,885
−HK$5,197/mo
▼ 0.25% · 3.875%
HK$85,463
−HK$2,619/mo
Today · 4.125%
HK$88,082
baseline
▲ 0.50% · 4.625%
HK$93,442
+HK$5,360/mo
Deposit HK$2.02M · loan HK$18.17M · min. income ≈ HK$176,164/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$769,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,208
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$94,681
−HK$2,509/mo
Today · 4.125%
HK$97,190
baseline
▲ 0.50% · 4.625%
HK$102,313
+HK$5,123/mo
Deposit HK$2.02M · loan HK$18.17M · min. income ≈ HK$194,380/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$769,379 · Scale 2, in force from 26 Feb 2026)