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$46,081
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$47,515
−HK$1,456/mo
Today · 4.125%
HK$48,971
baseline
▲ 0.50% · 4.625%
HK$51,951
+HK$2,980/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$97,942/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$770,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,265
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,640
−HK$1,395/mo
Today · 4.125%
HK$54,035
baseline
▲ 0.50% · 4.625%
HK$56,883
+HK$2,848/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$108,070/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$770,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,297
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$57,017
−HK$1,748/mo
Today · 4.125%
HK$58,765
baseline
▲ 0.50% · 4.625%
HK$62,341
+HK$3,576/mo
Deposit HK$8.08M · loan HK$12.13M · min. income ≈ HK$117,530/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$770,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,518
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,168
−HK$1,673/mo
Today · 4.125%
HK$64,841
baseline
▲ 0.50% · 4.625%
HK$68,259
+HK$3,418/mo
Deposit HK$8.08M · loan HK$12.13M · min. income ≈ HK$129,682/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$770,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,514
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$66,520
−HK$2,039/mo
Today · 4.125%
HK$68,559
baseline
▲ 0.50% · 4.625%
HK$72,731
+HK$4,172/mo
Deposit HK$6.06M · loan HK$14.15M · min. income ≈ HK$137,118/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$770,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,771
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$73,696
−HK$1,952/mo
Today · 4.125%
HK$75,648
baseline
▲ 0.50% · 4.625%
HK$79,636
+HK$3,988/mo
Deposit HK$6.06M · loan HK$14.15M · min. income ≈ HK$151,296/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$770,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,946
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$85,526
−HK$2,622/mo
Today · 4.125%
HK$88,148
baseline
▲ 0.50% · 4.625%
HK$93,511
+HK$5,363/mo
Deposit HK$2.02M · loan HK$18.19M · min. income ≈ HK$176,296/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$770,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,277
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$94,752
−HK$2,510/mo
Today · 4.125%
HK$97,262
baseline
▲ 0.50% · 4.625%
HK$102,389
+HK$5,127/mo
Deposit HK$2.02M · loan HK$18.19M · min. income ≈ HK$194,524/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$770,877 · Scale 2, in force from 26 Feb 2026)