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$46,048
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,481
−HK$1,455/mo
Today · 4.125%
HK$48,936
baseline
▲ 0.50% · 4.625%
HK$51,914
+HK$2,978/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$97,872/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$769,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,228
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,602
−HK$1,394/mo
Today · 4.125%
HK$53,996
baseline
▲ 0.50% · 4.625%
HK$56,842
+HK$2,846/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$107,992/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$769,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,258
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$56,977
−HK$1,746/mo
Today · 4.125%
HK$58,723
baseline
▲ 0.50% · 4.625%
HK$62,296
+HK$3,573/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$117,446/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$769,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,474
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$63,123
−HK$1,672/mo
Today · 4.125%
HK$64,795
baseline
▲ 0.50% · 4.625%
HK$68,211
+HK$3,416/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$129,590/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$769,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,468
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$66,473
−HK$2,037/mo
Today · 4.125%
HK$68,510
baseline
▲ 0.50% · 4.625%
HK$72,679
+HK$4,169/mo
Deposit HK$6.06M · loan HK$14.14M · min. income ≈ HK$137,020/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$769,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,720
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$73,643
−HK$1,951/mo
Today · 4.125%
HK$75,594
baseline
▲ 0.50% · 4.625%
HK$79,579
+HK$3,985/mo
Deposit HK$6.06M · loan HK$14.14M · min. income ≈ HK$151,188/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$769,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,887
−HK$5,198/mo
▼ 0.25% · 3.875%
HK$85,465
−HK$2,620/mo
Today · 4.125%
HK$88,085
baseline
▲ 0.50% · 4.625%
HK$93,444
+HK$5,359/mo
Deposit HK$2.02M · loan HK$18.17M · min. income ≈ HK$176,170/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$769,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,211
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$94,684
−HK$2,509/mo
Today · 4.125%
HK$97,193
baseline
▲ 0.50% · 4.625%
HK$102,316
+HK$5,123/mo
Deposit HK$2.02M · loan HK$18.17M · min. income ≈ HK$194,386/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$769,434 · Scale 2, in force from 26 Feb 2026)