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$45,998
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,429
−HK$1,453/mo
Today · 4.125%
HK$48,882
baseline
▲ 0.50% · 4.625%
HK$51,857
+HK$2,975/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$97,764/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$767,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,172
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,544
−HK$1,393/mo
Today · 4.125%
HK$53,937
baseline
▲ 0.50% · 4.625%
HK$56,780
+HK$2,843/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$107,874/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$767,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,197
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,914
−HK$1,745/mo
Today · 4.125%
HK$58,659
baseline
▲ 0.50% · 4.625%
HK$62,228
+HK$3,569/mo
Deposit HK$8.07M · loan HK$12.10M · min. income ≈ HK$117,318/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$767,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,406
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,053
−HK$1,671/mo
Today · 4.125%
HK$64,724
baseline
▲ 0.50% · 4.625%
HK$68,136
+HK$3,412/mo
Deposit HK$8.07M · loan HK$12.10M · min. income ≈ HK$129,448/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$767,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,397
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$66,400
−HK$2,035/mo
Today · 4.125%
HK$68,435
baseline
▲ 0.50% · 4.625%
HK$72,599
+HK$4,164/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$136,870/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$767,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,641
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$73,562
−HK$1,949/mo
Today · 4.125%
HK$75,511
baseline
▲ 0.50% · 4.625%
HK$79,492
+HK$3,981/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$151,022/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$767,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,796
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$85,371
−HK$2,617/mo
Today · 4.125%
HK$87,988
baseline
▲ 0.50% · 4.625%
HK$93,342
+HK$5,354/mo
Deposit HK$2.02M · loan HK$18.15M · min. income ≈ HK$175,976/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$767,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,110
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$94,580
−HK$2,506/mo
Today · 4.125%
HK$97,086
baseline
▲ 0.50% · 4.625%
HK$102,204
+HK$5,118/mo
Deposit HK$2.02M · loan HK$18.15M · min. income ≈ HK$194,172/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$767,218 · Scale 2, in force from 26 Feb 2026)