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$46,102
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,536
−HK$1,457/mo
Today · 4.125%
HK$48,993
baseline
▲ 0.50% · 4.625%
HK$51,974
+HK$2,981/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$97,986/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$771,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,288
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$52,664
−HK$1,395/mo
Today · 4.125%
HK$54,059
baseline
▲ 0.50% · 4.625%
HK$56,909
+HK$2,850/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$108,118/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$771,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,323
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,044
−HK$1,748/mo
Today · 4.125%
HK$58,792
baseline
▲ 0.50% · 4.625%
HK$62,369
+HK$3,577/mo
Deposit HK$8.09M · loan HK$12.13M · min. income ≈ HK$117,584/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$771,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,546
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,197
−HK$1,674/mo
Today · 4.125%
HK$64,871
baseline
▲ 0.50% · 4.625%
HK$68,291
+HK$3,420/mo
Deposit HK$8.09M · loan HK$12.13M · min. income ≈ HK$129,742/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$771,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,543
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$66,551
−HK$2,040/mo
Today · 4.125%
HK$68,591
baseline
▲ 0.50% · 4.625%
HK$72,764
+HK$4,173/mo
Deposit HK$6.07M · loan HK$14.15M · min. income ≈ HK$137,182/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$771,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,804
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$73,729
−HK$1,954/mo
Today · 4.125%
HK$75,683
baseline
▲ 0.50% · 4.625%
HK$79,672
+HK$3,989/mo
Deposit HK$6.07M · loan HK$14.15M · min. income ≈ HK$151,366/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$771,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,984
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$85,565
−HK$2,623/mo
Today · 4.125%
HK$88,188
baseline
▲ 0.50% · 4.625%
HK$93,554
+HK$5,366/mo
Deposit HK$2.02M · loan HK$18.20M · min. income ≈ HK$176,376/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$771,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,319
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$94,795
−HK$2,512/mo
Today · 4.125%
HK$97,307
baseline
▲ 0.50% · 4.625%
HK$102,436
+HK$5,129/mo
Deposit HK$2.02M · loan HK$18.20M · min. income ≈ HK$194,614/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$771,801 · Scale 2, in force from 26 Feb 2026)