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$46,085
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$47,519
−HK$1,456/mo
Today · 4.125%
HK$48,975
baseline
▲ 0.50% · 4.625%
HK$51,955
+HK$2,980/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$97,950/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$771,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,269
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,644
−HK$1,395/mo
Today · 4.125%
HK$54,039
baseline
▲ 0.50% · 4.625%
HK$56,888
+HK$2,849/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$108,078/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$771,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,302
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$57,023
−HK$1,747/mo
Today · 4.125%
HK$58,770
baseline
▲ 0.50% · 4.625%
HK$62,346
+HK$3,576/mo
Deposit HK$8.08M · loan HK$12.13M · min. income ≈ HK$117,540/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$771,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,523
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,173
−HK$1,674/mo
Today · 4.125%
HK$64,847
baseline
▲ 0.50% · 4.625%
HK$68,265
+HK$3,418/mo
Deposit HK$8.08M · loan HK$12.13M · min. income ≈ HK$129,694/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$771,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,519
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$66,526
−HK$2,039/mo
Today · 4.125%
HK$68,565
baseline
▲ 0.50% · 4.625%
HK$72,737
+HK$4,172/mo
Deposit HK$6.06M · loan HK$14.15M · min. income ≈ HK$137,130/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$771,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,777
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$73,702
−HK$1,953/mo
Today · 4.125%
HK$75,655
baseline
▲ 0.50% · 4.625%
HK$79,643
+HK$3,988/mo
Deposit HK$6.06M · loan HK$14.15M · min. income ≈ HK$151,310/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$771,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,954
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$85,534
−HK$2,621/mo
Today · 4.125%
HK$88,155
baseline
▲ 0.50% · 4.625%
HK$93,520
+HK$5,365/mo
Deposit HK$2.02M · loan HK$18.19M · min. income ≈ HK$176,310/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$771,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,285
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$94,760
−HK$2,511/mo
Today · 4.125%
HK$97,271
baseline
▲ 0.50% · 4.625%
HK$102,398
+HK$5,127/mo
Deposit HK$2.02M · loan HK$18.19M · min. income ≈ HK$194,542/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$771,058 · Scale 2, in force from 26 Feb 2026)