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$45,973
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,403
−HK$1,453/mo
Today · 4.125%
HK$48,856
baseline
▲ 0.50% · 4.625%
HK$51,829
+HK$2,973/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$97,712/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$766,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,145
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,516
−HK$1,392/mo
Today · 4.125%
HK$53,908
baseline
▲ 0.50% · 4.625%
HK$56,749
+HK$2,841/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$107,816/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$766,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,168
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,884
−HK$1,743/mo
Today · 4.125%
HK$58,627
baseline
▲ 0.50% · 4.625%
HK$62,195
+HK$3,568/mo
Deposit HK$8.06M · loan HK$12.10M · min. income ≈ HK$117,254/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$766,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,374
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$63,020
−HK$1,669/mo
Today · 4.125%
HK$64,689
baseline
▲ 0.50% · 4.625%
HK$68,099
+HK$3,410/mo
Deposit HK$8.06M · loan HK$12.10M · min. income ≈ HK$129,378/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$766,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,362
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$66,364
−HK$2,034/mo
Today · 4.125%
HK$68,398
baseline
▲ 0.50% · 4.625%
HK$72,560
+HK$4,162/mo
Deposit HK$6.05M · loan HK$14.11M · min. income ≈ HK$136,796/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$766,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,603
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$73,523
−HK$1,948/mo
Today · 4.125%
HK$75,471
baseline
▲ 0.50% · 4.625%
HK$79,449
+HK$3,978/mo
Deposit HK$6.05M · loan HK$14.11M · min. income ≈ HK$150,942/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$766,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,752
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$85,326
−HK$2,615/mo
Today · 4.125%
HK$87,941
baseline
▲ 0.50% · 4.625%
HK$93,292
+HK$5,351/mo
Deposit HK$2.02M · loan HK$18.15M · min. income ≈ HK$175,882/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$766,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,060
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$94,529
−HK$2,505/mo
Today · 4.125%
HK$97,034
baseline
▲ 0.50% · 4.625%
HK$102,149
+HK$5,115/mo
Deposit HK$2.02M · loan HK$18.15M · min. income ≈ HK$194,068/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$766,140 · Scale 2, in force from 26 Feb 2026)