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$45,888
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,315
−HK$1,451/mo
Today · 4.125%
HK$48,766
baseline
▲ 0.50% · 4.625%
HK$51,733
+HK$2,967/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$97,532/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$762,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,050
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,419
−HK$1,389/mo
Today · 4.125%
HK$53,808
baseline
▲ 0.50% · 4.625%
HK$56,644
+HK$2,836/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$107,616/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$762,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,066
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,778
−HK$1,741/mo
Today · 4.125%
HK$58,519
baseline
▲ 0.50% · 4.625%
HK$62,079
+HK$3,560/mo
Deposit HK$8.05M · loan HK$12.07M · min. income ≈ HK$117,038/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$762,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,260
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,903
−HK$1,667/mo
Today · 4.125%
HK$64,570
baseline
▲ 0.50% · 4.625%
HK$67,973
+HK$3,403/mo
Deposit HK$8.05M · loan HK$12.07M · min. income ≈ HK$129,140/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$762,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,243
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$66,242
−HK$2,030/mo
Today · 4.125%
HK$68,272
baseline
▲ 0.50% · 4.625%
HK$72,426
+HK$4,154/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$136,544/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$762,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,470
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$73,387
−HK$1,944/mo
Today · 4.125%
HK$75,331
baseline
▲ 0.50% · 4.625%
HK$79,302
+HK$3,971/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$150,662/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$762,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,598
−HK$5,180/mo
▼ 0.25% · 3.875%
HK$85,168
−HK$2,610/mo
Today · 4.125%
HK$87,778
baseline
▲ 0.50% · 4.625%
HK$93,119
+HK$5,341/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$175,556/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$762,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,890
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$94,354
−HK$2,500/mo
Today · 4.125%
HK$96,854
baseline
▲ 0.50% · 4.625%
HK$101,960
+HK$5,106/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$193,708/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$762,406 · Scale 2, in force from 26 Feb 2026)