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$46,081
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$47,514
−HK$1,457/mo
Today · 4.125%
HK$48,971
baseline
▲ 0.50% · 4.625%
HK$51,950
+HK$2,979/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$97,942/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$770,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,265
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$52,639
−HK$1,395/mo
Today · 4.125%
HK$54,034
baseline
▲ 0.50% · 4.625%
HK$56,882
+HK$2,848/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$108,068/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$770,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,297
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$57,017
−HK$1,748/mo
Today · 4.125%
HK$58,765
baseline
▲ 0.50% · 4.625%
HK$62,340
+HK$3,575/mo
Deposit HK$8.08M · loan HK$12.13M · min. income ≈ HK$117,530/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$770,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,517
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,167
−HK$1,674/mo
Today · 4.125%
HK$64,841
baseline
▲ 0.50% · 4.625%
HK$68,259
+HK$3,418/mo
Deposit HK$8.08M · loan HK$12.13M · min. income ≈ HK$129,682/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$770,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,513
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$66,520
−HK$2,039/mo
Today · 4.125%
HK$68,559
baseline
▲ 0.50% · 4.625%
HK$72,730
+HK$4,171/mo
Deposit HK$6.06M · loan HK$14.15M · min. income ≈ HK$137,118/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$770,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,770
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$73,695
−HK$1,953/mo
Today · 4.125%
HK$75,648
baseline
▲ 0.50% · 4.625%
HK$79,635
+HK$3,987/mo
Deposit HK$6.06M · loan HK$14.15M · min. income ≈ HK$151,296/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$770,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,946
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$85,526
−HK$2,621/mo
Today · 4.125%
HK$88,147
baseline
▲ 0.50% · 4.625%
HK$93,511
+HK$5,364/mo
Deposit HK$2.02M · loan HK$18.19M · min. income ≈ HK$176,294/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$770,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,276
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$94,751
−HK$2,511/mo
Today · 4.125%
HK$97,262
baseline
▲ 0.50% · 4.625%
HK$102,388
+HK$5,126/mo
Deposit HK$2.02M · loan HK$18.19M · min. income ≈ HK$194,524/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$770,865 · Scale 2, in force from 26 Feb 2026)