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$46,078
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$47,512
−HK$1,456/mo
Today · 4.125%
HK$48,968
baseline
▲ 0.50% · 4.625%
HK$51,947
+HK$2,979/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$97,936/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$770,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,262
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$52,637
−HK$1,394/mo
Today · 4.125%
HK$54,031
baseline
▲ 0.50% · 4.625%
HK$56,879
+HK$2,848/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$108,062/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$770,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,294
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$57,014
−HK$1,747/mo
Today · 4.125%
HK$58,761
baseline
▲ 0.50% · 4.625%
HK$62,337
+HK$3,576/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$117,522/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$770,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,514
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,164
−HK$1,673/mo
Today · 4.125%
HK$64,837
baseline
▲ 0.50% · 4.625%
HK$68,255
+HK$3,418/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$129,674/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$770,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,510
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$66,516
−HK$2,039/mo
Today · 4.125%
HK$68,555
baseline
▲ 0.50% · 4.625%
HK$72,726
+HK$4,171/mo
Deposit HK$6.06M · loan HK$14.15M · min. income ≈ HK$137,110/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$770,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,766
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$73,691
−HK$1,953/mo
Today · 4.125%
HK$75,644
baseline
▲ 0.50% · 4.625%
HK$79,631
+HK$3,987/mo
Deposit HK$6.06M · loan HK$14.15M · min. income ≈ HK$151,288/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$770,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,941
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$85,521
−HK$2,621/mo
Today · 4.125%
HK$88,142
baseline
▲ 0.50% · 4.625%
HK$93,505
+HK$5,363/mo
Deposit HK$2.02M · loan HK$18.19M · min. income ≈ HK$176,284/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$770,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,271
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$94,746
−HK$2,510/mo
Today · 4.125%
HK$97,256
baseline
▲ 0.50% · 4.625%
HK$102,383
+HK$5,127/mo
Deposit HK$2.02M · loan HK$18.19M · min. income ≈ HK$194,512/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$770,753 · Scale 2, in force from 26 Feb 2026)