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$46,079
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$47,512
−HK$1,457/mo
Today · 4.125%
HK$48,969
baseline
▲ 0.50% · 4.625%
HK$51,948
+HK$2,979/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$97,938/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$770,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,262
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,637
−HK$1,395/mo
Today · 4.125%
HK$54,032
baseline
▲ 0.50% · 4.625%
HK$56,880
+HK$2,848/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$108,064/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$770,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,295
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$57,015
−HK$1,747/mo
Today · 4.125%
HK$58,762
baseline
▲ 0.50% · 4.625%
HK$62,338
+HK$3,576/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$117,524/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$770,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,515
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,165
−HK$1,673/mo
Today · 4.125%
HK$64,838
baseline
▲ 0.50% · 4.625%
HK$68,256
+HK$3,418/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$129,676/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$770,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,511
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$66,517
−HK$2,039/mo
Today · 4.125%
HK$68,556
baseline
▲ 0.50% · 4.625%
HK$72,727
+HK$4,171/mo
Deposit HK$6.06M · loan HK$14.15M · min. income ≈ HK$137,112/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$770,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,767
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$73,692
−HK$1,953/mo
Today · 4.125%
HK$75,645
baseline
▲ 0.50% · 4.625%
HK$79,632
+HK$3,987/mo
Deposit HK$6.06M · loan HK$14.15M · min. income ≈ HK$151,290/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$770,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,942
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$85,522
−HK$2,621/mo
Today · 4.125%
HK$88,143
baseline
▲ 0.50% · 4.625%
HK$93,507
+HK$5,364/mo
Deposit HK$2.02M · loan HK$18.19M · min. income ≈ HK$176,286/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$770,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,272
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$94,747
−HK$2,511/mo
Today · 4.125%
HK$97,258
baseline
▲ 0.50% · 4.625%
HK$102,384
+HK$5,126/mo
Deposit HK$2.02M · loan HK$18.19M · min. income ≈ HK$194,516/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$770,783 · Scale 2, in force from 26 Feb 2026)