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$46,052
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,485
−HK$1,455/mo
Today · 4.125%
HK$48,940
baseline
▲ 0.50% · 4.625%
HK$51,918
+HK$2,978/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$97,880/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$769,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,233
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,607
−HK$1,394/mo
Today · 4.125%
HK$54,001
baseline
▲ 0.50% · 4.625%
HK$56,847
+HK$2,846/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$108,002/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$769,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,263
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$56,982
−HK$1,746/mo
Today · 4.125%
HK$58,728
baseline
▲ 0.50% · 4.625%
HK$62,302
+HK$3,574/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$117,456/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$769,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,479
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$63,128
−HK$1,673/mo
Today · 4.125%
HK$64,801
baseline
▲ 0.50% · 4.625%
HK$68,217
+HK$3,416/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$129,602/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$769,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,473
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$66,479
−HK$2,037/mo
Today · 4.125%
HK$68,516
baseline
▲ 0.50% · 4.625%
HK$72,686
+HK$4,170/mo
Deposit HK$6.06M · loan HK$14.14M · min. income ≈ HK$137,032/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$769,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,726
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$73,650
−HK$1,951/mo
Today · 4.125%
HK$75,601
baseline
▲ 0.50% · 4.625%
HK$79,586
+HK$3,985/mo
Deposit HK$6.06M · loan HK$14.14M · min. income ≈ HK$151,202/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$769,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,894
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$85,473
−HK$2,620/mo
Today · 4.125%
HK$88,093
baseline
▲ 0.50% · 4.625%
HK$93,453
+HK$5,360/mo
Deposit HK$2.02M · loan HK$18.18M · min. income ≈ HK$176,186/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$769,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,219
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$94,692
−HK$2,509/mo
Today · 4.125%
HK$97,201
baseline
▲ 0.50% · 4.625%
HK$102,325
+HK$5,124/mo
Deposit HK$2.02M · loan HK$18.18M · min. income ≈ HK$194,402/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$769,617 · Scale 2, in force from 26 Feb 2026)