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$45,896
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,323
−HK$1,451/mo
Today · 4.125%
HK$48,774
baseline
▲ 0.50% · 4.625%
HK$51,742
+HK$2,968/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$97,548/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$762,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,058
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,428
−HK$1,389/mo
Today · 4.125%
HK$53,817
baseline
▲ 0.50% · 4.625%
HK$56,654
+HK$2,837/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$107,634/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$762,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,075
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$56,788
−HK$1,741/mo
Today · 4.125%
HK$58,529
baseline
▲ 0.50% · 4.625%
HK$62,090
+HK$3,561/mo
Deposit HK$8.05M · loan HK$12.08M · min. income ≈ HK$117,058/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$762,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,270
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,913
−HK$1,667/mo
Today · 4.125%
HK$64,580
baseline
▲ 0.50% · 4.625%
HK$67,985
+HK$3,405/mo
Deposit HK$8.05M · loan HK$12.08M · min. income ≈ HK$129,160/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$762,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,254
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$66,253
−HK$2,030/mo
Today · 4.125%
HK$68,283
baseline
▲ 0.50% · 4.625%
HK$72,438
+HK$4,155/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$136,566/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$762,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,482
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$73,399
−HK$1,945/mo
Today · 4.125%
HK$75,344
baseline
▲ 0.50% · 4.625%
HK$79,315
+HK$3,971/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$150,688/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$762,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,612
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$85,182
−HK$2,611/mo
Today · 4.125%
HK$87,793
baseline
▲ 0.50% · 4.625%
HK$93,135
+HK$5,342/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$175,586/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$762,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,905
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$94,370
−HK$2,501/mo
Today · 4.125%
HK$96,871
baseline
▲ 0.50% · 4.625%
HK$101,977
+HK$5,106/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$193,742/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$762,743 · Scale 2, in force from 26 Feb 2026)