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$46,091
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$47,525
−HK$1,456/mo
Today · 4.125%
HK$48,981
baseline
▲ 0.50% · 4.625%
HK$51,962
+HK$2,981/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$97,962/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$771,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,276
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,651
−HK$1,395/mo
Today · 4.125%
HK$54,046
baseline
▲ 0.50% · 4.625%
HK$56,895
+HK$2,849/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$108,092/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$771,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,309
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$57,030
−HK$1,747/mo
Today · 4.125%
HK$58,777
baseline
▲ 0.50% · 4.625%
HK$62,354
+HK$3,577/mo
Deposit HK$8.09M · loan HK$12.13M · min. income ≈ HK$117,554/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$771,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,531
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,181
−HK$1,674/mo
Today · 4.125%
HK$64,855
baseline
▲ 0.50% · 4.625%
HK$68,274
+HK$3,419/mo
Deposit HK$8.09M · loan HK$12.13M · min. income ≈ HK$129,710/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$771,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,527
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$66,534
−HK$2,040/mo
Today · 4.125%
HK$68,574
baseline
▲ 0.50% · 4.625%
HK$72,746
+HK$4,172/mo
Deposit HK$6.06M · loan HK$14.15M · min. income ≈ HK$137,148/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$771,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,786
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$73,711
−HK$1,953/mo
Today · 4.125%
HK$75,664
baseline
▲ 0.50% · 4.625%
HK$79,653
+HK$3,989/mo
Deposit HK$6.06M · loan HK$14.15M · min. income ≈ HK$151,328/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$771,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,964
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$85,544
−HK$2,622/mo
Today · 4.125%
HK$88,166
baseline
▲ 0.50% · 4.625%
HK$93,531
+HK$5,365/mo
Deposit HK$2.02M · loan HK$18.19M · min. income ≈ HK$176,332/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$771,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,296
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$94,772
−HK$2,511/mo
Today · 4.125%
HK$97,283
baseline
▲ 0.50% · 4.625%
HK$102,411
+HK$5,128/mo
Deposit HK$2.02M · loan HK$18.19M · min. income ≈ HK$194,566/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$771,305 · Scale 2, in force from 26 Feb 2026)