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$46,018
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,450
−HK$1,454/mo
Today · 4.125%
HK$48,904
baseline
▲ 0.50% · 4.625%
HK$51,880
+HK$2,976/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$97,808/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$768,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,195
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$52,568
−HK$1,393/mo
Today · 4.125%
HK$53,961
baseline
▲ 0.50% · 4.625%
HK$56,805
+HK$2,844/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$107,922/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$768,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,222
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,940
−HK$1,745/mo
Today · 4.125%
HK$58,685
baseline
▲ 0.50% · 4.625%
HK$62,256
+HK$3,571/mo
Deposit HK$8.07M · loan HK$12.11M · min. income ≈ HK$117,370/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$768,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,434
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,082
−HK$1,671/mo
Today · 4.125%
HK$64,753
baseline
▲ 0.50% · 4.625%
HK$68,166
+HK$3,413/mo
Deposit HK$8.07M · loan HK$12.11M · min. income ≈ HK$129,506/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$768,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,426
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$66,430
−HK$2,036/mo
Today · 4.125%
HK$68,466
baseline
▲ 0.50% · 4.625%
HK$72,632
+HK$4,166/mo
Deposit HK$6.05M · loan HK$14.13M · min. income ≈ HK$136,932/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$768,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,673
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$73,595
−HK$1,950/mo
Today · 4.125%
HK$75,545
baseline
▲ 0.50% · 4.625%
HK$79,527
+HK$3,982/mo
Deposit HK$6.05M · loan HK$14.13M · min. income ≈ HK$151,090/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$768,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,833
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$85,410
−HK$2,618/mo
Today · 4.125%
HK$88,028
baseline
▲ 0.50% · 4.625%
HK$93,384
+HK$5,356/mo
Deposit HK$2.02M · loan HK$18.16M · min. income ≈ HK$176,056/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$768,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,151
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$94,622
−HK$2,508/mo
Today · 4.125%
HK$97,130
baseline
▲ 0.50% · 4.625%
HK$102,250
+HK$5,120/mo
Deposit HK$2.02M · loan HK$18.16M · min. income ≈ HK$194,260/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$768,125 · Scale 2, in force from 26 Feb 2026)