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$46,040
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$47,472
−HK$1,455/mo
Today · 4.125%
HK$48,927
baseline
▲ 0.50% · 4.625%
HK$51,904
+HK$2,977/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$97,854/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$769,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,219
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,592
−HK$1,394/mo
Today · 4.125%
HK$53,986
baseline
▲ 0.50% · 4.625%
HK$56,832
+HK$2,846/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$107,972/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$769,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,248
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$56,966
−HK$1,746/mo
Today · 4.125%
HK$58,712
baseline
▲ 0.50% · 4.625%
HK$62,285
+HK$3,573/mo
Deposit HK$8.08M · loan HK$12.11M · min. income ≈ HK$117,424/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$769,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,462
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$63,111
−HK$1,672/mo
Today · 4.125%
HK$64,783
baseline
▲ 0.50% · 4.625%
HK$68,198
+HK$3,415/mo
Deposit HK$8.08M · loan HK$12.11M · min. income ≈ HK$129,566/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$769,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,456
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$66,460
−HK$2,037/mo
Today · 4.125%
HK$68,497
baseline
▲ 0.50% · 4.625%
HK$72,665
+HK$4,168/mo
Deposit HK$6.06M · loan HK$14.13M · min. income ≈ HK$136,994/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$769,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,706
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$73,629
−HK$1,951/mo
Today · 4.125%
HK$75,580
baseline
▲ 0.50% · 4.625%
HK$79,564
+HK$3,984/mo
Deposit HK$6.06M · loan HK$14.13M · min. income ≈ HK$151,160/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$769,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,871
−HK$5,197/mo
▼ 0.25% · 3.875%
HK$85,449
−HK$2,619/mo
Today · 4.125%
HK$88,068
baseline
▲ 0.50% · 4.625%
HK$93,427
+HK$5,359/mo
Deposit HK$2.02M · loan HK$18.17M · min. income ≈ HK$176,136/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$769,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,194
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$94,666
−HK$2,509/mo
Today · 4.125%
HK$97,175
baseline
▲ 0.50% · 4.625%
HK$102,297
+HK$5,122/mo
Deposit HK$2.02M · loan HK$18.17M · min. income ≈ HK$194,350/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$769,058 · Scale 2, in force from 26 Feb 2026)