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$45,879
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,306
−HK$1,450/mo
Today · 4.125%
HK$48,756
baseline
▲ 0.50% · 4.625%
HK$51,723
+HK$2,967/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$97,512/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$762,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,040
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,409
−HK$1,388/mo
Today · 4.125%
HK$53,797
baseline
▲ 0.50% · 4.625%
HK$56,633
+HK$2,836/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$107,594/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$762,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,055
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,767
−HK$1,740/mo
Today · 4.125%
HK$58,507
baseline
▲ 0.50% · 4.625%
HK$62,067
+HK$3,560/mo
Deposit HK$8.05M · loan HK$12.07M · min. income ≈ HK$117,014/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$762,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,248
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,890
−HK$1,667/mo
Today · 4.125%
HK$64,557
baseline
▲ 0.50% · 4.625%
HK$67,960
+HK$3,403/mo
Deposit HK$8.05M · loan HK$12.07M · min. income ≈ HK$129,114/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$762,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,230
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$66,228
−HK$2,030/mo
Today · 4.125%
HK$68,258
baseline
▲ 0.50% · 4.625%
HK$72,412
+HK$4,154/mo
Deposit HK$6.04M · loan HK$14.08M · min. income ≈ HK$136,516/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$762,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,456
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$73,372
−HK$1,944/mo
Today · 4.125%
HK$75,316
baseline
▲ 0.50% · 4.625%
HK$79,286
+HK$3,970/mo
Deposit HK$6.04M · loan HK$14.08M · min. income ≈ HK$150,632/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$762,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,582
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$85,151
−HK$2,610/mo
Today · 4.125%
HK$87,761
baseline
▲ 0.50% · 4.625%
HK$93,101
+HK$5,340/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$175,522/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$762,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,872
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$94,335
−HK$2,500/mo
Today · 4.125%
HK$96,835
baseline
▲ 0.50% · 4.625%
HK$101,939
+HK$5,104/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$193,670/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$762,004 · Scale 2, in force from 26 Feb 2026)