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$45,767
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,191
−HK$1,446/mo
Today · 4.125%
HK$48,637
baseline
▲ 0.50% · 4.625%
HK$51,597
+HK$2,960/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$97,274/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$757,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,916
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$52,281
−HK$1,386/mo
Today · 4.125%
HK$53,667
baseline
▲ 0.50% · 4.625%
HK$56,495
+HK$2,828/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$107,334/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$757,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,921
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,629
−HK$1,736/mo
Today · 4.125%
HK$58,365
baseline
▲ 0.50% · 4.625%
HK$61,916
+HK$3,551/mo
Deposit HK$8.03M · loan HK$12.04M · min. income ≈ HK$116,730/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$757,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,099
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,738
−HK$1,662/mo
Today · 4.125%
HK$64,400
baseline
▲ 0.50% · 4.625%
HK$67,795
+HK$3,395/mo
Deposit HK$8.03M · loan HK$12.04M · min. income ≈ HK$128,800/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$757,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,074
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$66,067
−HK$2,025/mo
Today · 4.125%
HK$68,092
baseline
▲ 0.50% · 4.625%
HK$72,236
+HK$4,144/mo
Deposit HK$6.02M · loan HK$14.05M · min. income ≈ HK$136,184/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$757,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,282
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$73,194
−HK$1,939/mo
Today · 4.125%
HK$75,133
baseline
▲ 0.50% · 4.625%
HK$79,094
+HK$3,961/mo
Deposit HK$6.02M · loan HK$14.05M · min. income ≈ HK$150,266/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$757,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,381
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$84,944
−HK$2,603/mo
Today · 4.125%
HK$87,547
baseline
▲ 0.50% · 4.625%
HK$92,874
+HK$5,327/mo
Deposit HK$2.01M · loan HK$18.06M · min. income ≈ HK$175,094/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$757,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,648
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$94,106
−HK$2,494/mo
Today · 4.125%
HK$96,600
baseline
▲ 0.50% · 4.625%
HK$101,692
+HK$5,092/mo
Deposit HK$2.01M · loan HK$18.06M · min. income ≈ HK$193,200/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$757,118 · Scale 2, in force from 26 Feb 2026)