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$46,013
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,444
−HK$1,454/mo
Today · 4.125%
HK$48,898
baseline
▲ 0.50% · 4.625%
HK$51,874
+HK$2,976/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$97,796/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$767,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,189
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$52,562
−HK$1,393/mo
Today · 4.125%
HK$53,955
baseline
▲ 0.50% · 4.625%
HK$56,799
+HK$2,844/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$107,910/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$767,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,216
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,933
−HK$1,745/mo
Today · 4.125%
HK$58,678
baseline
▲ 0.50% · 4.625%
HK$62,249
+HK$3,571/mo
Deposit HK$8.07M · loan HK$12.11M · min. income ≈ HK$117,356/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$767,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,427
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,074
−HK$1,672/mo
Today · 4.125%
HK$64,746
baseline
▲ 0.50% · 4.625%
HK$68,158
+HK$3,412/mo
Deposit HK$8.07M · loan HK$12.11M · min. income ≈ HK$129,492/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$767,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,418
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$66,422
−HK$2,036/mo
Today · 4.125%
HK$68,458
baseline
▲ 0.50% · 4.625%
HK$72,623
+HK$4,165/mo
Deposit HK$6.05M · loan HK$14.13M · min. income ≈ HK$136,916/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$767,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,665
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$73,587
−HK$1,949/mo
Today · 4.125%
HK$75,536
baseline
▲ 0.50% · 4.625%
HK$79,518
+HK$3,982/mo
Deposit HK$6.05M · loan HK$14.13M · min. income ≈ HK$151,072/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$767,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,823
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$85,400
−HK$2,617/mo
Today · 4.125%
HK$88,017
baseline
▲ 0.50% · 4.625%
HK$93,373
+HK$5,356/mo
Deposit HK$2.02M · loan HK$18.16M · min. income ≈ HK$176,034/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$767,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,140
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$94,611
−HK$2,507/mo
Today · 4.125%
HK$97,118
baseline
▲ 0.50% · 4.625%
HK$102,238
+HK$5,120/mo
Deposit HK$2.02M · loan HK$18.16M · min. income ≈ HK$194,236/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$767,888 · Scale 2, in force from 26 Feb 2026)