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$46,089
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$47,522
−HK$1,457/mo
Today · 4.125%
HK$48,979
baseline
▲ 0.50% · 4.625%
HK$51,959
+HK$2,980/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$97,958/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$771,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,273
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,648
−HK$1,395/mo
Today · 4.125%
HK$54,043
baseline
▲ 0.50% · 4.625%
HK$56,892
+HK$2,849/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$108,086/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$771,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,306
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$57,027
−HK$1,747/mo
Today · 4.125%
HK$58,774
baseline
▲ 0.50% · 4.625%
HK$62,351
+HK$3,577/mo
Deposit HK$8.08M · loan HK$12.13M · min. income ≈ HK$117,548/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$771,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,528
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,178
−HK$1,674/mo
Today · 4.125%
HK$64,852
baseline
▲ 0.50% · 4.625%
HK$68,270
+HK$3,418/mo
Deposit HK$8.08M · loan HK$12.13M · min. income ≈ HK$129,704/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$771,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,524
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$66,531
−HK$2,039/mo
Today · 4.125%
HK$68,570
baseline
▲ 0.50% · 4.625%
HK$72,742
+HK$4,172/mo
Deposit HK$6.06M · loan HK$14.15M · min. income ≈ HK$137,140/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$771,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,782
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$73,707
−HK$1,953/mo
Today · 4.125%
HK$75,660
baseline
▲ 0.50% · 4.625%
HK$79,649
+HK$3,989/mo
Deposit HK$6.06M · loan HK$14.15M · min. income ≈ HK$151,320/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$771,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,959
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$85,540
−HK$2,622/mo
Today · 4.125%
HK$88,162
baseline
▲ 0.50% · 4.625%
HK$93,526
+HK$5,364/mo
Deposit HK$2.02M · loan HK$18.19M · min. income ≈ HK$176,324/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$771,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,291
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$94,767
−HK$2,511/mo
Today · 4.125%
HK$97,278
baseline
▲ 0.50% · 4.625%
HK$102,405
+HK$5,127/mo
Deposit HK$2.02M · loan HK$18.19M · min. income ≈ HK$194,556/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$771,199 · Scale 2, in force from 26 Feb 2026)