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$46,103
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,537
−HK$1,457/mo
Today · 4.125%
HK$48,994
baseline
▲ 0.50% · 4.625%
HK$51,976
+HK$2,982/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$97,988/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$771,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,289
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$52,665
−HK$1,395/mo
Today · 4.125%
HK$54,060
baseline
▲ 0.50% · 4.625%
HK$56,910
+HK$2,850/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$108,120/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$771,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,324
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,045
−HK$1,748/mo
Today · 4.125%
HK$58,793
baseline
▲ 0.50% · 4.625%
HK$62,371
+HK$3,578/mo
Deposit HK$8.09M · loan HK$12.13M · min. income ≈ HK$117,586/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$771,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,547
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,198
−HK$1,675/mo
Today · 4.125%
HK$64,873
baseline
▲ 0.50% · 4.625%
HK$68,292
+HK$3,419/mo
Deposit HK$8.09M · loan HK$12.13M · min. income ≈ HK$129,746/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$771,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,545
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$66,552
−HK$2,040/mo
Today · 4.125%
HK$68,592
baseline
▲ 0.50% · 4.625%
HK$72,766
+HK$4,174/mo
Deposit HK$6.07M · loan HK$14.15M · min. income ≈ HK$137,184/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$771,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,805
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$73,731
−HK$1,954/mo
Today · 4.125%
HK$75,685
baseline
▲ 0.50% · 4.625%
HK$79,674
+HK$3,989/mo
Deposit HK$6.07M · loan HK$14.15M · min. income ≈ HK$151,370/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$771,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,986
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$85,567
−HK$2,623/mo
Today · 4.125%
HK$88,190
baseline
▲ 0.50% · 4.625%
HK$93,556
+HK$5,366/mo
Deposit HK$2.02M · loan HK$18.20M · min. income ≈ HK$176,380/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$771,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,321
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$94,797
−HK$2,512/mo
Today · 4.125%
HK$97,309
baseline
▲ 0.50% · 4.625%
HK$102,438
+HK$5,129/mo
Deposit HK$2.02M · loan HK$18.20M · min. income ≈ HK$194,618/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$771,846 · Scale 2, in force from 26 Feb 2026)