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$46,094
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,528
−HK$1,457/mo
Today · 4.125%
HK$48,985
baseline
▲ 0.50% · 4.625%
HK$51,965
+HK$2,980/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$97,970/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$771,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,279
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$52,655
−HK$1,395/mo
Today · 4.125%
HK$54,050
baseline
▲ 0.50% · 4.625%
HK$56,899
+HK$2,849/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$108,100/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$771,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,313
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,034
−HK$1,748/mo
Today · 4.125%
HK$58,782
baseline
▲ 0.50% · 4.625%
HK$62,358
+HK$3,576/mo
Deposit HK$8.09M · loan HK$12.13M · min. income ≈ HK$117,564/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$771,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,535
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,186
−HK$1,674/mo
Today · 4.125%
HK$64,860
baseline
▲ 0.50% · 4.625%
HK$68,279
+HK$3,419/mo
Deposit HK$8.09M · loan HK$12.13M · min. income ≈ HK$129,720/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$771,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,532
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$66,539
−HK$2,040/mo
Today · 4.125%
HK$68,579
baseline
▲ 0.50% · 4.625%
HK$72,751
+HK$4,172/mo
Deposit HK$6.06M · loan HK$14.15M · min. income ≈ HK$137,158/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$771,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,791
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$73,716
−HK$1,954/mo
Today · 4.125%
HK$75,670
baseline
▲ 0.50% · 4.625%
HK$79,658
+HK$3,988/mo
Deposit HK$6.06M · loan HK$14.15M · min. income ≈ HK$151,340/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$771,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,970
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$85,550
−HK$2,623/mo
Today · 4.125%
HK$88,173
baseline
▲ 0.50% · 4.625%
HK$93,538
+HK$5,365/mo
Deposit HK$2.02M · loan HK$18.19M · min. income ≈ HK$176,346/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$771,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,303
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$94,778
−HK$2,512/mo
Today · 4.125%
HK$97,290
baseline
▲ 0.50% · 4.625%
HK$102,418
+HK$5,128/mo
Deposit HK$2.02M · loan HK$18.19M · min. income ≈ HK$194,580/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$771,449 · Scale 2, in force from 26 Feb 2026)