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$46,130
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$47,564
−HK$1,458/mo
Today · 4.125%
HK$49,022
baseline
▲ 0.50% · 4.625%
HK$52,005
+HK$2,983/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$98,044/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$773,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,319
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$52,695
−HK$1,396/mo
Today · 4.125%
HK$54,091
baseline
▲ 0.50% · 4.625%
HK$56,943
+HK$2,852/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$108,182/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$773,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,355
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$57,077
−HK$1,750/mo
Today · 4.125%
HK$58,827
baseline
▲ 0.50% · 4.625%
HK$62,406
+HK$3,579/mo
Deposit HK$8.09M · loan HK$12.14M · min. income ≈ HK$117,654/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$773,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,582
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$63,234
−HK$1,676/mo
Today · 4.125%
HK$64,910
baseline
▲ 0.50% · 4.625%
HK$68,331
+HK$3,421/mo
Deposit HK$8.09M · loan HK$12.14M · min. income ≈ HK$129,820/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$773,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,581
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$66,590
−HK$2,041/mo
Today · 4.125%
HK$68,631
baseline
▲ 0.50% · 4.625%
HK$72,807
+HK$4,176/mo
Deposit HK$6.07M · loan HK$14.16M · min. income ≈ HK$137,262/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$773,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,846
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$73,773
−HK$1,955/mo
Today · 4.125%
HK$75,728
baseline
▲ 0.50% · 4.625%
HK$79,720
+HK$3,992/mo
Deposit HK$6.07M · loan HK$14.16M · min. income ≈ HK$151,456/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$773,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,033
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$85,616
−HK$2,624/mo
Today · 4.125%
HK$88,240
baseline
▲ 0.50% · 4.625%
HK$93,609
+HK$5,369/mo
Deposit HK$2.02M · loan HK$18.21M · min. income ≈ HK$176,480/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$773,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,374
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$94,851
−HK$2,513/mo
Today · 4.125%
HK$97,364
baseline
▲ 0.50% · 4.625%
HK$102,497
+HK$5,133/mo
Deposit HK$2.02M · loan HK$18.21M · min. income ≈ HK$194,728/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$773,000 · Scale 2, in force from 26 Feb 2026)