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$46,101
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,535
−HK$1,457/mo
Today · 4.125%
HK$48,992
baseline
▲ 0.50% · 4.625%
HK$51,973
+HK$2,981/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$97,984/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$771,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,287
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$52,663
−HK$1,395/mo
Today · 4.125%
HK$54,058
baseline
▲ 0.50% · 4.625%
HK$56,907
+HK$2,849/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$108,116/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$771,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,321
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,042
−HK$1,748/mo
Today · 4.125%
HK$58,790
baseline
▲ 0.50% · 4.625%
HK$62,368
+HK$3,578/mo
Deposit HK$8.09M · loan HK$12.13M · min. income ≈ HK$117,580/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$771,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,544
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,195
−HK$1,674/mo
Today · 4.125%
HK$64,869
baseline
▲ 0.50% · 4.625%
HK$68,289
+HK$3,420/mo
Deposit HK$8.09M · loan HK$12.13M · min. income ≈ HK$129,738/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$771,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,542
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$66,549
−HK$2,040/mo
Today · 4.125%
HK$68,589
baseline
▲ 0.50% · 4.625%
HK$72,762
+HK$4,173/mo
Deposit HK$6.07M · loan HK$14.15M · min. income ≈ HK$137,178/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$771,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,802
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$73,728
−HK$1,953/mo
Today · 4.125%
HK$75,681
baseline
▲ 0.50% · 4.625%
HK$79,670
+HK$3,989/mo
Deposit HK$6.07M · loan HK$14.15M · min. income ≈ HK$151,362/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$771,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,982
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$85,563
−HK$2,623/mo
Today · 4.125%
HK$88,186
baseline
▲ 0.50% · 4.625%
HK$93,552
+HK$5,366/mo
Deposit HK$2.02M · loan HK$18.20M · min. income ≈ HK$176,372/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$771,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,317
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$94,793
−HK$2,511/mo
Today · 4.125%
HK$97,304
baseline
▲ 0.50% · 4.625%
HK$102,433
+HK$5,129/mo
Deposit HK$2.02M · loan HK$18.20M · min. income ≈ HK$194,608/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$771,752 · Scale 2, in force from 26 Feb 2026)