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$46,064
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,497
−HK$1,455/mo
Today · 4.125%
HK$48,952
baseline
▲ 0.50% · 4.625%
HK$51,931
+HK$2,979/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$97,904/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$770,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,246
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,620
−HK$1,394/mo
Today · 4.125%
HK$54,014
baseline
▲ 0.50% · 4.625%
HK$56,861
+HK$2,847/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$108,028/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$770,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,277
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$56,996
−HK$1,747/mo
Today · 4.125%
HK$58,743
baseline
▲ 0.50% · 4.625%
HK$62,317
+HK$3,574/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$117,486/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$770,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,495
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$63,144
−HK$1,673/mo
Today · 4.125%
HK$64,817
baseline
▲ 0.50% · 4.625%
HK$68,234
+HK$3,417/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$129,634/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$770,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,489
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$66,495
−HK$2,038/mo
Today · 4.125%
HK$68,533
baseline
▲ 0.50% · 4.625%
HK$72,704
+HK$4,171/mo
Deposit HK$6.06M · loan HK$14.14M · min. income ≈ HK$137,066/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$770,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,744
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$73,668
−HK$1,952/mo
Today · 4.125%
HK$75,620
baseline
▲ 0.50% · 4.625%
HK$79,606
+HK$3,986/mo
Deposit HK$6.06M · loan HK$14.14M · min. income ≈ HK$151,240/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$770,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,915
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$85,494
−HK$2,620/mo
Today · 4.125%
HK$88,114
baseline
▲ 0.50% · 4.625%
HK$93,476
+HK$5,362/mo
Deposit HK$2.02M · loan HK$18.18M · min. income ≈ HK$176,228/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$770,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,242
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$94,716
−HK$2,510/mo
Today · 4.125%
HK$97,226
baseline
▲ 0.50% · 4.625%
HK$102,350
+HK$5,124/mo
Deposit HK$2.02M · loan HK$18.18M · min. income ≈ HK$194,452/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$770,118 · Scale 2, in force from 26 Feb 2026)