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$46,137
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$47,572
−HK$1,458/mo
Today · 4.125%
HK$49,030
baseline
▲ 0.50% · 4.625%
HK$52,013
+HK$2,983/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$98,060/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$773,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,326
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,703
−HK$1,396/mo
Today · 4.125%
HK$54,099
baseline
▲ 0.50% · 4.625%
HK$56,951
+HK$2,852/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$108,198/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$773,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,364
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$57,086
−HK$1,750/mo
Today · 4.125%
HK$58,836
baseline
▲ 0.50% · 4.625%
HK$62,416
+HK$3,580/mo
Deposit HK$8.09M · loan HK$12.14M · min. income ≈ HK$117,672/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$773,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,592
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$63,244
−HK$1,675/mo
Today · 4.125%
HK$64,919
baseline
▲ 0.50% · 4.625%
HK$68,341
+HK$3,422/mo
Deposit HK$8.09M · loan HK$12.14M · min. income ≈ HK$129,838/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$773,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,591
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$66,600
−HK$2,042/mo
Today · 4.125%
HK$68,642
baseline
▲ 0.50% · 4.625%
HK$72,818
+HK$4,176/mo
Deposit HK$6.07M · loan HK$14.16M · min. income ≈ HK$137,284/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$773,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,857
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$73,784
−HK$1,955/mo
Today · 4.125%
HK$75,739
baseline
▲ 0.50% · 4.625%
HK$79,732
+HK$3,993/mo
Deposit HK$6.07M · loan HK$14.16M · min. income ≈ HK$151,478/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$773,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,046
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$85,629
−HK$2,624/mo
Today · 4.125%
HK$88,253
baseline
▲ 0.50% · 4.625%
HK$93,624
+HK$5,371/mo
Deposit HK$2.02M · loan HK$18.21M · min. income ≈ HK$176,506/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$773,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,388
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$94,865
−HK$2,514/mo
Today · 4.125%
HK$97,379
baseline
▲ 0.50% · 4.625%
HK$102,512
+HK$5,133/mo
Deposit HK$2.02M · loan HK$18.21M · min. income ≈ HK$194,758/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$773,306 · Scale 2, in force from 26 Feb 2026)