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$45,972
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,402
−HK$1,453/mo
Today · 4.125%
HK$48,855
baseline
▲ 0.50% · 4.625%
HK$51,827
+HK$2,972/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$97,710/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$766,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,143
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,515
−HK$1,391/mo
Today · 4.125%
HK$53,906
baseline
▲ 0.50% · 4.625%
HK$56,748
+HK$2,842/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$107,812/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$766,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,166
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,882
−HK$1,744/mo
Today · 4.125%
HK$58,626
baseline
▲ 0.50% · 4.625%
HK$62,193
+HK$3,567/mo
Deposit HK$8.06M · loan HK$12.10M · min. income ≈ HK$117,252/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$766,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,372
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,018
−HK$1,670/mo
Today · 4.125%
HK$64,688
baseline
▲ 0.50% · 4.625%
HK$68,097
+HK$3,409/mo
Deposit HK$8.06M · loan HK$12.10M · min. income ≈ HK$129,376/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$766,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,361
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$66,363
−HK$2,034/mo
Today · 4.125%
HK$68,397
baseline
▲ 0.50% · 4.625%
HK$72,558
+HK$4,161/mo
Deposit HK$6.05M · loan HK$14.11M · min. income ≈ HK$136,794/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$766,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,601
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$73,521
−HK$1,948/mo
Today · 4.125%
HK$75,469
baseline
▲ 0.50% · 4.625%
HK$79,447
+HK$3,978/mo
Deposit HK$6.05M · loan HK$14.11M · min. income ≈ HK$150,938/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$766,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,749
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$85,323
−HK$2,616/mo
Today · 4.125%
HK$87,939
baseline
▲ 0.50% · 4.625%
HK$93,289
+HK$5,350/mo
Deposit HK$2.02M · loan HK$18.14M · min. income ≈ HK$175,878/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$766,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,058
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$94,527
−HK$2,505/mo
Today · 4.125%
HK$97,032
baseline
▲ 0.50% · 4.625%
HK$102,146
+HK$5,114/mo
Deposit HK$2.02M · loan HK$18.14M · min. income ≈ HK$194,064/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$766,086 · Scale 2, in force from 26 Feb 2026)