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$46,094
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$47,528
−HK$1,456/mo
Today · 4.125%
HK$48,984
baseline
▲ 0.50% · 4.625%
HK$51,965
+HK$2,981/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$97,968/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$771,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,279
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,654
−HK$1,395/mo
Today · 4.125%
HK$54,049
baseline
▲ 0.50% · 4.625%
HK$56,898
+HK$2,849/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$108,098/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$771,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,313
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$57,033
−HK$1,748/mo
Today · 4.125%
HK$58,781
baseline
▲ 0.50% · 4.625%
HK$62,358
+HK$3,577/mo
Deposit HK$8.09M · loan HK$12.13M · min. income ≈ HK$117,562/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$771,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,535
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,185
−HK$1,674/mo
Today · 4.125%
HK$64,859
baseline
▲ 0.50% · 4.625%
HK$68,278
+HK$3,419/mo
Deposit HK$8.09M · loan HK$12.13M · min. income ≈ HK$129,718/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$771,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,531
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$66,539
−HK$2,039/mo
Today · 4.125%
HK$68,578
baseline
▲ 0.50% · 4.625%
HK$72,751
+HK$4,173/mo
Deposit HK$6.06M · loan HK$14.15M · min. income ≈ HK$137,156/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$771,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,790
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$73,716
−HK$1,953/mo
Today · 4.125%
HK$75,669
baseline
▲ 0.50% · 4.625%
HK$79,658
+HK$3,989/mo
Deposit HK$6.06M · loan HK$14.15M · min. income ≈ HK$151,338/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$771,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,969
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$85,550
−HK$2,622/mo
Today · 4.125%
HK$88,172
baseline
▲ 0.50% · 4.625%
HK$93,537
+HK$5,365/mo
Deposit HK$2.02M · loan HK$18.19M · min. income ≈ HK$176,344/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$771,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,302
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$94,778
−HK$2,511/mo
Today · 4.125%
HK$97,289
baseline
▲ 0.50% · 4.625%
HK$102,417
+HK$5,128/mo
Deposit HK$2.02M · loan HK$18.19M · min. income ≈ HK$194,578/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$771,432 · Scale 2, in force from 26 Feb 2026)