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$46,056
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,489
−HK$1,455/mo
Today · 4.125%
HK$48,944
baseline
▲ 0.50% · 4.625%
HK$51,923
+HK$2,979/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$97,888/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$769,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,237
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,611
−HK$1,394/mo
Today · 4.125%
HK$54,005
baseline
▲ 0.50% · 4.625%
HK$56,852
+HK$2,847/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$108,010/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$769,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,268
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$56,987
−HK$1,746/mo
Today · 4.125%
HK$58,733
baseline
▲ 0.50% · 4.625%
HK$62,307
+HK$3,574/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$117,466/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$769,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,485
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$63,134
−HK$1,672/mo
Today · 4.125%
HK$64,806
baseline
▲ 0.50% · 4.625%
HK$68,223
+HK$3,417/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$129,612/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$769,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,479
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$66,485
−HK$2,037/mo
Today · 4.125%
HK$68,522
baseline
▲ 0.50% · 4.625%
HK$72,692
+HK$4,170/mo
Deposit HK$6.06M · loan HK$14.14M · min. income ≈ HK$137,044/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$769,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,732
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$73,656
−HK$1,952/mo
Today · 4.125%
HK$75,608
baseline
▲ 0.50% · 4.625%
HK$79,593
+HK$3,985/mo
Deposit HK$6.06M · loan HK$14.14M · min. income ≈ HK$151,216/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$769,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,901
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$85,480
−HK$2,620/mo
Today · 4.125%
HK$88,100
baseline
▲ 0.50% · 4.625%
HK$93,461
+HK$5,361/mo
Deposit HK$2.02M · loan HK$18.18M · min. income ≈ HK$176,200/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$769,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,227
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$94,700
−HK$2,510/mo
Today · 4.125%
HK$97,210
baseline
▲ 0.50% · 4.625%
HK$102,334
+HK$5,124/mo
Deposit HK$2.02M · loan HK$18.18M · min. income ≈ HK$194,420/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$769,788 · Scale 2, in force from 26 Feb 2026)