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$46,105
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,539
−HK$1,457/mo
Today · 4.125%
HK$48,996
baseline
▲ 0.50% · 4.625%
HK$51,977
+HK$2,981/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$97,992/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$771,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,291
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$52,667
−HK$1,395/mo
Today · 4.125%
HK$54,062
baseline
▲ 0.50% · 4.625%
HK$56,912
+HK$2,850/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$108,124/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$771,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,326
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,047
−HK$1,748/mo
Today · 4.125%
HK$58,795
baseline
▲ 0.50% · 4.625%
HK$62,373
+HK$3,578/mo
Deposit HK$8.09M · loan HK$12.13M · min. income ≈ HK$117,590/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$771,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,550
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,200
−HK$1,675/mo
Today · 4.125%
HK$64,875
baseline
▲ 0.50% · 4.625%
HK$68,295
+HK$3,420/mo
Deposit HK$8.09M · loan HK$12.13M · min. income ≈ HK$129,750/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$771,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,547
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$66,555
−HK$2,040/mo
Today · 4.125%
HK$68,595
baseline
▲ 0.50% · 4.625%
HK$72,768
+HK$4,173/mo
Deposit HK$6.07M · loan HK$14.15M · min. income ≈ HK$137,190/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$771,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,808
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$73,734
−HK$1,953/mo
Today · 4.125%
HK$75,687
baseline
▲ 0.50% · 4.625%
HK$79,677
+HK$3,990/mo
Deposit HK$6.07M · loan HK$14.15M · min. income ≈ HK$151,374/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$771,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,989
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$85,570
−HK$2,623/mo
Today · 4.125%
HK$88,193
baseline
▲ 0.50% · 4.625%
HK$93,559
+HK$5,366/mo
Deposit HK$2.02M · loan HK$18.20M · min. income ≈ HK$176,386/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$771,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,324
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$94,800
−HK$2,512/mo
Today · 4.125%
HK$97,312
baseline
▲ 0.50% · 4.625%
HK$102,442
+HK$5,130/mo
Deposit HK$2.02M · loan HK$18.20M · min. income ≈ HK$194,624/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$771,921 · Scale 2, in force from 26 Feb 2026)