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$46,003
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,434
−HK$1,454/mo
Today · 4.125%
HK$48,888
baseline
▲ 0.50% · 4.625%
HK$51,863
+HK$2,975/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$97,776/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$767,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,178
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,551
−HK$1,392/mo
Today · 4.125%
HK$53,943
baseline
▲ 0.50% · 4.625%
HK$56,786
+HK$2,843/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$107,886/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$767,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,204
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,921
−HK$1,745/mo
Today · 4.125%
HK$58,666
baseline
▲ 0.50% · 4.625%
HK$62,235
+HK$3,569/mo
Deposit HK$8.07M · loan HK$12.10M · min. income ≈ HK$117,332/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$767,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,414
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,061
−HK$1,671/mo
Today · 4.125%
HK$64,732
baseline
▲ 0.50% · 4.625%
HK$68,144
+HK$3,412/mo
Deposit HK$8.07M · loan HK$12.10M · min. income ≈ HK$129,464/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$767,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,404
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$66,408
−HK$2,035/mo
Today · 4.125%
HK$68,443
baseline
▲ 0.50% · 4.625%
HK$72,608
+HK$4,165/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$136,886/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$767,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,649
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$73,571
−HK$1,949/mo
Today · 4.125%
HK$75,520
baseline
▲ 0.50% · 4.625%
HK$79,501
+HK$3,981/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$151,040/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$767,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,806
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$85,381
−HK$2,617/mo
Today · 4.125%
HK$87,998
baseline
▲ 0.50% · 4.625%
HK$93,353
+HK$5,355/mo
Deposit HK$2.02M · loan HK$18.16M · min. income ≈ HK$175,996/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$767,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,120
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$94,591
−HK$2,506/mo
Today · 4.125%
HK$97,097
baseline
▲ 0.50% · 4.625%
HK$102,216
+HK$5,119/mo
Deposit HK$2.02M · loan HK$18.16M · min. income ≈ HK$194,194/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$767,455 · Scale 2, in force from 26 Feb 2026)