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$46,076
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,509
−HK$1,456/mo
Today · 4.125%
HK$48,965
baseline
▲ 0.50% · 4.625%
HK$51,944
+HK$2,979/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$97,930/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$770,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,259
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$52,633
−HK$1,395/mo
Today · 4.125%
HK$54,028
baseline
▲ 0.50% · 4.625%
HK$56,876
+HK$2,848/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$108,056/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$770,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,291
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$57,010
−HK$1,748/mo
Today · 4.125%
HK$58,758
baseline
▲ 0.50% · 4.625%
HK$62,333
+HK$3,575/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$117,516/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$770,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,510
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,160
−HK$1,673/mo
Today · 4.125%
HK$64,833
baseline
▲ 0.50% · 4.625%
HK$68,251
+HK$3,418/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$129,666/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$770,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,506
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$66,512
−HK$2,039/mo
Today · 4.125%
HK$68,551
baseline
▲ 0.50% · 4.625%
HK$72,722
+HK$4,171/mo
Deposit HK$6.06M · loan HK$14.14M · min. income ≈ HK$137,102/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$770,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,762
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$73,687
−HK$1,952/mo
Today · 4.125%
HK$75,639
baseline
▲ 0.50% · 4.625%
HK$79,626
+HK$3,987/mo
Deposit HK$6.06M · loan HK$14.14M · min. income ≈ HK$151,278/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$770,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,936
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$85,516
−HK$2,621/mo
Today · 4.125%
HK$88,137
baseline
▲ 0.50% · 4.625%
HK$93,500
+HK$5,363/mo
Deposit HK$2.02M · loan HK$18.19M · min. income ≈ HK$176,274/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$770,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,265
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$94,740
−HK$2,510/mo
Today · 4.125%
HK$97,250
baseline
▲ 0.50% · 4.625%
HK$102,376
+HK$5,126/mo
Deposit HK$2.02M · loan HK$18.19M · min. income ≈ HK$194,500/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$770,629 · Scale 2, in force from 26 Feb 2026)