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$46,065
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,498
−HK$1,456/mo
Today · 4.125%
HK$48,954
baseline
▲ 0.50% · 4.625%
HK$51,932
+HK$2,978/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$97,908/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$770,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,247
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,621
−HK$1,394/mo
Today · 4.125%
HK$54,015
baseline
▲ 0.50% · 4.625%
HK$56,863
+HK$2,848/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$108,030/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$770,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,278
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$56,997
−HK$1,747/mo
Today · 4.125%
HK$58,744
baseline
▲ 0.50% · 4.625%
HK$62,319
+HK$3,575/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$117,488/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$770,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,496
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$63,145
−HK$1,673/mo
Today · 4.125%
HK$64,818
baseline
▲ 0.50% · 4.625%
HK$68,235
+HK$3,417/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$129,636/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$770,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,491
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$66,497
−HK$2,038/mo
Today · 4.125%
HK$68,535
baseline
▲ 0.50% · 4.625%
HK$72,705
+HK$4,170/mo
Deposit HK$6.06M · loan HK$14.14M · min. income ≈ HK$137,070/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$770,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,745
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$73,669
−HK$1,953/mo
Today · 4.125%
HK$75,622
baseline
▲ 0.50% · 4.625%
HK$79,608
+HK$3,986/mo
Deposit HK$6.06M · loan HK$14.14M · min. income ≈ HK$151,244/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$770,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,917
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$85,496
−HK$2,620/mo
Today · 4.125%
HK$88,116
baseline
▲ 0.50% · 4.625%
HK$93,478
+HK$5,362/mo
Deposit HK$2.02M · loan HK$18.18M · min. income ≈ HK$176,232/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$770,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,244
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$94,718
−HK$2,510/mo
Today · 4.125%
HK$97,228
baseline
▲ 0.50% · 4.625%
HK$102,353
+HK$5,125/mo
Deposit HK$2.02M · loan HK$18.18M · min. income ≈ HK$194,456/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$770,161 · Scale 2, in force from 26 Feb 2026)