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$46,080
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,513
−HK$1,456/mo
Today · 4.125%
HK$48,969
baseline
▲ 0.50% · 4.625%
HK$51,949
+HK$2,980/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$97,938/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$770,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,263
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,638
−HK$1,395/mo
Today · 4.125%
HK$54,033
baseline
▲ 0.50% · 4.625%
HK$56,881
+HK$2,848/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$108,066/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$770,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,296
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$57,016
−HK$1,747/mo
Today · 4.125%
HK$58,763
baseline
▲ 0.50% · 4.625%
HK$62,339
+HK$3,576/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$117,526/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$770,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,516
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,166
−HK$1,674/mo
Today · 4.125%
HK$64,840
baseline
▲ 0.50% · 4.625%
HK$68,257
+HK$3,417/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$129,680/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$770,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,512
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$66,518
−HK$2,039/mo
Today · 4.125%
HK$68,557
baseline
▲ 0.50% · 4.625%
HK$72,729
+HK$4,172/mo
Deposit HK$6.06M · loan HK$14.15M · min. income ≈ HK$137,114/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$770,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,769
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$73,694
−HK$1,952/mo
Today · 4.125%
HK$75,646
baseline
▲ 0.50% · 4.625%
HK$79,634
+HK$3,988/mo
Deposit HK$6.06M · loan HK$14.15M · min. income ≈ HK$151,292/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$770,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,944
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$85,524
−HK$2,621/mo
Today · 4.125%
HK$88,145
baseline
▲ 0.50% · 4.625%
HK$93,508
+HK$5,363/mo
Deposit HK$2.02M · loan HK$18.19M · min. income ≈ HK$176,290/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$770,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,274
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$94,749
−HK$2,510/mo
Today · 4.125%
HK$97,259
baseline
▲ 0.50% · 4.625%
HK$102,386
+HK$5,127/mo
Deposit HK$2.02M · loan HK$18.19M · min. income ≈ HK$194,518/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$770,819 · Scale 2, in force from 26 Feb 2026)