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$46,093
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$47,526
−HK$1,457/mo
Today · 4.125%
HK$48,983
baseline
▲ 0.50% · 4.625%
HK$51,964
+HK$2,981/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$97,966/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$771,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,278
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,653
−HK$1,395/mo
Today · 4.125%
HK$54,048
baseline
▲ 0.50% · 4.625%
HK$56,897
+HK$2,849/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$108,096/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$771,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,311
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,032
−HK$1,748/mo
Today · 4.125%
HK$58,780
baseline
▲ 0.50% · 4.625%
HK$62,356
+HK$3,576/mo
Deposit HK$8.09M · loan HK$12.13M · min. income ≈ HK$117,560/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$771,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,533
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,184
−HK$1,674/mo
Today · 4.125%
HK$64,858
baseline
▲ 0.50% · 4.625%
HK$68,276
+HK$3,418/mo
Deposit HK$8.09M · loan HK$12.13M · min. income ≈ HK$129,716/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$771,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,530
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$66,537
−HK$2,039/mo
Today · 4.125%
HK$68,576
baseline
▲ 0.50% · 4.625%
HK$72,749
+HK$4,173/mo
Deposit HK$6.06M · loan HK$14.15M · min. income ≈ HK$137,152/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$771,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,789
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$73,714
−HK$1,953/mo
Today · 4.125%
HK$75,667
baseline
▲ 0.50% · 4.625%
HK$79,656
+HK$3,989/mo
Deposit HK$6.06M · loan HK$14.15M · min. income ≈ HK$151,334/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$771,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,967
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$85,548
−HK$2,622/mo
Today · 4.125%
HK$88,170
baseline
▲ 0.50% · 4.625%
HK$93,535
+HK$5,365/mo
Deposit HK$2.02M · loan HK$18.19M · min. income ≈ HK$176,340/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$771,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,300
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$94,775
−HK$2,512/mo
Today · 4.125%
HK$97,287
baseline
▲ 0.50% · 4.625%
HK$102,415
+HK$5,128/mo
Deposit HK$2.02M · loan HK$18.19M · min. income ≈ HK$194,574/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$771,384 · Scale 2, in force from 26 Feb 2026)