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$46,104
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,538
−HK$1,457/mo
Today · 4.125%
HK$48,995
baseline
▲ 0.50% · 4.625%
HK$51,976
+HK$2,981/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$97,990/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$771,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,290
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$52,666
−HK$1,395/mo
Today · 4.125%
HK$54,061
baseline
▲ 0.50% · 4.625%
HK$56,911
+HK$2,850/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$108,122/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$771,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,325
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,045
−HK$1,749/mo
Today · 4.125%
HK$58,794
baseline
▲ 0.50% · 4.625%
HK$62,371
+HK$3,577/mo
Deposit HK$8.09M · loan HK$12.13M · min. income ≈ HK$117,588/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$771,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,548
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,199
−HK$1,674/mo
Today · 4.125%
HK$64,873
baseline
▲ 0.50% · 4.625%
HK$68,293
+HK$3,420/mo
Deposit HK$8.09M · loan HK$12.13M · min. income ≈ HK$129,746/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$771,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,545
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$66,553
−HK$2,040/mo
Today · 4.125%
HK$68,593
baseline
▲ 0.50% · 4.625%
HK$72,767
+HK$4,174/mo
Deposit HK$6.07M · loan HK$14.15M · min. income ≈ HK$137,186/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$771,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,806
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$73,732
−HK$1,953/mo
Today · 4.125%
HK$75,685
baseline
▲ 0.50% · 4.625%
HK$79,675
+HK$3,990/mo
Deposit HK$6.07M · loan HK$14.15M · min. income ≈ HK$151,370/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$771,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,987
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$85,568
−HK$2,623/mo
Today · 4.125%
HK$88,191
baseline
▲ 0.50% · 4.625%
HK$93,557
+HK$5,366/mo
Deposit HK$2.02M · loan HK$18.20M · min. income ≈ HK$176,382/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$771,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,322
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$94,798
−HK$2,512/mo
Today · 4.125%
HK$97,310
baseline
▲ 0.50% · 4.625%
HK$102,439
+HK$5,129/mo
Deposit HK$2.02M · loan HK$18.20M · min. income ≈ HK$194,620/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$771,870 · Scale 2, in force from 26 Feb 2026)