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$45,952
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,381
−HK$1,452/mo
Today · 4.125%
HK$48,833
baseline
▲ 0.50% · 4.625%
HK$51,805
+HK$2,972/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$97,666/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$765,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,121
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,492
−HK$1,391/mo
Today · 4.125%
HK$53,883
baseline
▲ 0.50% · 4.625%
HK$56,723
+HK$2,840/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$107,766/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$765,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,142
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,857
−HK$1,743/mo
Today · 4.125%
HK$58,600
baseline
▲ 0.50% · 4.625%
HK$62,166
+HK$3,566/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$117,200/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$765,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,345
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$62,990
−HK$1,669/mo
Today · 4.125%
HK$64,659
baseline
▲ 0.50% · 4.625%
HK$68,068
+HK$3,409/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$129,318/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$765,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,332
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$66,333
−HK$2,034/mo
Today · 4.125%
HK$68,367
baseline
▲ 0.50% · 4.625%
HK$72,527
+HK$4,160/mo
Deposit HK$6.05M · loan HK$14.11M · min. income ≈ HK$136,734/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$765,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,569
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$73,489
−HK$1,947/mo
Today · 4.125%
HK$75,436
baseline
▲ 0.50% · 4.625%
HK$79,412
+HK$3,976/mo
Deposit HK$6.05M · loan HK$14.11M · min. income ≈ HK$150,872/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$765,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,713
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$85,286
−HK$2,614/mo
Today · 4.125%
HK$87,900
baseline
▲ 0.50% · 4.625%
HK$93,248
+HK$5,348/mo
Deposit HK$2.02M · loan HK$18.14M · min. income ≈ HK$175,800/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$765,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,017
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$94,485
−HK$2,504/mo
Today · 4.125%
HK$96,989
baseline
▲ 0.50% · 4.625%
HK$102,101
+HK$5,112/mo
Deposit HK$2.02M · loan HK$18.14M · min. income ≈ HK$193,978/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$765,200 · Scale 2, in force from 26 Feb 2026)