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$46,096
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,530
−HK$1,457/mo
Today · 4.125%
HK$48,987
baseline
▲ 0.50% · 4.625%
HK$51,968
+HK$2,981/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$97,974/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$771,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,282
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,657
−HK$1,395/mo
Today · 4.125%
HK$54,052
baseline
▲ 0.50% · 4.625%
HK$56,902
+HK$2,850/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$108,104/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$771,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,316
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,036
−HK$1,749/mo
Today · 4.125%
HK$58,785
baseline
▲ 0.50% · 4.625%
HK$62,361
+HK$3,576/mo
Deposit HK$8.09M · loan HK$12.13M · min. income ≈ HK$117,570/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$771,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,538
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,189
−HK$1,674/mo
Today · 4.125%
HK$64,863
baseline
▲ 0.50% · 4.625%
HK$68,282
+HK$3,419/mo
Deposit HK$8.09M · loan HK$12.13M · min. income ≈ HK$129,726/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$771,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,535
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$66,542
−HK$2,040/mo
Today · 4.125%
HK$68,582
baseline
▲ 0.50% · 4.625%
HK$72,755
+HK$4,173/mo
Deposit HK$6.06M · loan HK$14.15M · min. income ≈ HK$137,164/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$771,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,795
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$73,720
−HK$1,953/mo
Today · 4.125%
HK$75,673
baseline
▲ 0.50% · 4.625%
HK$79,662
+HK$3,989/mo
Deposit HK$6.06M · loan HK$14.15M · min. income ≈ HK$151,346/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$771,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,974
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$85,555
−HK$2,622/mo
Today · 4.125%
HK$88,177
baseline
▲ 0.50% · 4.625%
HK$93,542
+HK$5,365/mo
Deposit HK$2.02M · loan HK$18.19M · min. income ≈ HK$176,354/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$771,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,307
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$94,783
−HK$2,511/mo
Today · 4.125%
HK$97,294
baseline
▲ 0.50% · 4.625%
HK$102,423
+HK$5,129/mo
Deposit HK$2.02M · loan HK$18.19M · min. income ≈ HK$194,588/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$771,549 · Scale 2, in force from 26 Feb 2026)