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$46,082
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$47,515
−HK$1,457/mo
Today · 4.125%
HK$48,972
baseline
▲ 0.50% · 4.625%
HK$51,951
+HK$2,979/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$97,944/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$770,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,266
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$52,641
−HK$1,394/mo
Today · 4.125%
HK$54,035
baseline
▲ 0.50% · 4.625%
HK$56,884
+HK$2,849/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$108,070/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$770,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,298
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$57,018
−HK$1,748/mo
Today · 4.125%
HK$58,766
baseline
▲ 0.50% · 4.625%
HK$62,342
+HK$3,576/mo
Deposit HK$8.08M · loan HK$12.13M · min. income ≈ HK$117,532/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$770,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,519
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,169
−HK$1,674/mo
Today · 4.125%
HK$64,843
baseline
▲ 0.50% · 4.625%
HK$68,260
+HK$3,417/mo
Deposit HK$8.08M · loan HK$12.13M · min. income ≈ HK$129,686/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$770,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,515
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$66,521
−HK$2,039/mo
Today · 4.125%
HK$68,560
baseline
▲ 0.50% · 4.625%
HK$72,732
+HK$4,172/mo
Deposit HK$6.06M · loan HK$14.15M · min. income ≈ HK$137,120/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$770,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,772
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$73,697
−HK$1,953/mo
Today · 4.125%
HK$75,650
baseline
▲ 0.50% · 4.625%
HK$79,637
+HK$3,987/mo
Deposit HK$6.06M · loan HK$14.15M · min. income ≈ HK$151,300/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$770,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,947
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$85,528
−HK$2,621/mo
Today · 4.125%
HK$88,149
baseline
▲ 0.50% · 4.625%
HK$93,513
+HK$5,364/mo
Deposit HK$2.02M · loan HK$18.19M · min. income ≈ HK$176,298/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$770,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,278
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$94,753
−HK$2,511/mo
Today · 4.125%
HK$97,264
baseline
▲ 0.50% · 4.625%
HK$102,391
+HK$5,127/mo
Deposit HK$2.02M · loan HK$18.19M · min. income ≈ HK$194,528/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$770,911 · Scale 2, in force from 26 Feb 2026)