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$46,039
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$47,471
−HK$1,455/mo
Today · 4.125%
HK$48,926
baseline
▲ 0.50% · 4.625%
HK$51,903
+HK$2,977/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$97,852/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$769,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,217
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,591
−HK$1,394/mo
Today · 4.125%
HK$53,985
baseline
▲ 0.50% · 4.625%
HK$56,830
+HK$2,845/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$107,970/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$769,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,246
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$56,965
−HK$1,746/mo
Today · 4.125%
HK$58,711
baseline
▲ 0.50% · 4.625%
HK$62,283
+HK$3,572/mo
Deposit HK$8.08M · loan HK$12.11M · min. income ≈ HK$117,422/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$769,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,461
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,109
−HK$1,672/mo
Today · 4.125%
HK$64,781
baseline
▲ 0.50% · 4.625%
HK$68,196
+HK$3,415/mo
Deposit HK$8.08M · loan HK$12.11M · min. income ≈ HK$129,562/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$769,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,454
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$66,459
−HK$2,037/mo
Today · 4.125%
HK$68,496
baseline
▲ 0.50% · 4.625%
HK$72,664
+HK$4,168/mo
Deposit HK$6.06M · loan HK$14.13M · min. income ≈ HK$136,992/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$769,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,704
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$73,627
−HK$1,951/mo
Today · 4.125%
HK$75,578
baseline
▲ 0.50% · 4.625%
HK$79,562
+HK$3,984/mo
Deposit HK$6.06M · loan HK$14.13M · min. income ≈ HK$151,156/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$769,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,869
−HK$5,197/mo
▼ 0.25% · 3.875%
HK$85,447
−HK$2,619/mo
Today · 4.125%
HK$88,066
baseline
▲ 0.50% · 4.625%
HK$93,425
+HK$5,359/mo
Deposit HK$2.02M · loan HK$18.17M · min. income ≈ HK$176,132/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$769,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,191
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$94,664
−HK$2,508/mo
Today · 4.125%
HK$97,172
baseline
▲ 0.50% · 4.625%
HK$102,294
+HK$5,122/mo
Deposit HK$2.02M · loan HK$18.17M · min. income ≈ HK$194,344/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$769,009 · Scale 2, in force from 26 Feb 2026)