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$46,098
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,532
−HK$1,457/mo
Today · 4.125%
HK$48,989
baseline
▲ 0.50% · 4.625%
HK$51,970
+HK$2,981/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$97,978/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$771,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,284
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,659
−HK$1,395/mo
Today · 4.125%
HK$54,054
baseline
▲ 0.50% · 4.625%
HK$56,904
+HK$2,850/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$108,108/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$771,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,318
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,038
−HK$1,749/mo
Today · 4.125%
HK$58,787
baseline
▲ 0.50% · 4.625%
HK$62,364
+HK$3,577/mo
Deposit HK$8.09M · loan HK$12.13M · min. income ≈ HK$117,574/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$771,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,540
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,191
−HK$1,674/mo
Today · 4.125%
HK$64,865
baseline
▲ 0.50% · 4.625%
HK$68,284
+HK$3,419/mo
Deposit HK$8.09M · loan HK$12.13M · min. income ≈ HK$129,730/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$771,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,537
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$66,545
−HK$2,039/mo
Today · 4.125%
HK$68,584
baseline
▲ 0.50% · 4.625%
HK$72,757
+HK$4,173/mo
Deposit HK$6.06M · loan HK$14.15M · min. income ≈ HK$137,168/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$771,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,797
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$73,723
−HK$1,953/mo
Today · 4.125%
HK$75,676
baseline
▲ 0.50% · 4.625%
HK$79,665
+HK$3,989/mo
Deposit HK$6.06M · loan HK$14.15M · min. income ≈ HK$151,352/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$771,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,976
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$85,557
−HK$2,623/mo
Today · 4.125%
HK$88,180
baseline
▲ 0.50% · 4.625%
HK$93,545
+HK$5,365/mo
Deposit HK$2.02M · loan HK$18.19M · min. income ≈ HK$176,360/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$771,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,310
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$94,786
−HK$2,512/mo
Today · 4.125%
HK$97,298
baseline
▲ 0.50% · 4.625%
HK$102,426
+HK$5,128/mo
Deposit HK$2.02M · loan HK$18.19M · min. income ≈ HK$194,596/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$771,616 · Scale 2, in force from 26 Feb 2026)