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$45,923
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$47,352
−HK$1,451/mo
Today · 4.125%
HK$48,803
baseline
▲ 0.50% · 4.625%
HK$51,773
+HK$2,970/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$97,606/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$763,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,089
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,460
−HK$1,390/mo
Today · 4.125%
HK$53,850
baseline
▲ 0.50% · 4.625%
HK$56,688
+HK$2,838/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$107,700/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$763,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,108
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,822
−HK$1,742/mo
Today · 4.125%
HK$58,564
baseline
▲ 0.50% · 4.625%
HK$62,127
+HK$3,563/mo
Deposit HK$8.06M · loan HK$12.08M · min. income ≈ HK$117,128/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$763,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,307
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,951
−HK$1,668/mo
Today · 4.125%
HK$64,619
baseline
▲ 0.50% · 4.625%
HK$68,026
+HK$3,407/mo
Deposit HK$8.06M · loan HK$12.08M · min. income ≈ HK$129,238/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$763,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,293
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$66,293
−HK$2,032/mo
Today · 4.125%
HK$68,325
baseline
▲ 0.50% · 4.625%
HK$72,482
+HK$4,157/mo
Deposit HK$6.04M · loan HK$14.10M · min. income ≈ HK$136,650/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$763,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,525
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$73,443
−HK$1,946/mo
Today · 4.125%
HK$75,389
baseline
▲ 0.50% · 4.625%
HK$79,363
+HK$3,974/mo
Deposit HK$6.04M · loan HK$14.10M · min. income ≈ HK$150,778/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$763,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,662
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$85,233
−HK$2,613/mo
Today · 4.125%
HK$87,846
baseline
▲ 0.50% · 4.625%
HK$93,191
+HK$5,345/mo
Deposit HK$2.01M · loan HK$18.13M · min. income ≈ HK$175,692/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$763,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,961
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$94,427
−HK$2,502/mo
Today · 4.125%
HK$96,929
baseline
▲ 0.50% · 4.625%
HK$102,039
+HK$5,110/mo
Deposit HK$2.01M · loan HK$18.13M · min. income ≈ HK$193,858/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$763,960 · Scale 2, in force from 26 Feb 2026)