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$45,913
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,341
−HK$1,451/mo
Today · 4.125%
HK$48,792
baseline
▲ 0.50% · 4.625%
HK$51,761
+HK$2,969/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$97,584/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$763,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,078
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$52,448
−HK$1,390/mo
Today · 4.125%
HK$53,838
baseline
▲ 0.50% · 4.625%
HK$56,675
+HK$2,837/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$107,676/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$763,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,096
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,810
−HK$1,741/mo
Today · 4.125%
HK$58,551
baseline
▲ 0.50% · 4.625%
HK$62,114
+HK$3,563/mo
Deposit HK$8.05M · loan HK$12.08M · min. income ≈ HK$117,102/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$763,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,294
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$62,938
−HK$1,667/mo
Today · 4.125%
HK$64,605
baseline
▲ 0.50% · 4.625%
HK$68,011
+HK$3,406/mo
Deposit HK$8.05M · loan HK$12.08M · min. income ≈ HK$129,210/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$763,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,279
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$66,278
−HK$2,031/mo
Today · 4.125%
HK$68,309
baseline
▲ 0.50% · 4.625%
HK$72,466
+HK$4,157/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$136,618/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$763,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,509
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$73,427
−HK$1,946/mo
Today · 4.125%
HK$75,373
baseline
▲ 0.50% · 4.625%
HK$79,346
+HK$3,973/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$150,746/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$763,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,644
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$85,215
−HK$2,611/mo
Today · 4.125%
HK$87,826
baseline
▲ 0.50% · 4.625%
HK$93,170
+HK$5,344/mo
Deposit HK$2.01M · loan HK$18.12M · min. income ≈ HK$175,652/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$763,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,940
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$94,406
−HK$2,502/mo
Today · 4.125%
HK$96,908
baseline
▲ 0.50% · 4.625%
HK$102,016
+HK$5,108/mo
Deposit HK$2.01M · loan HK$18.12M · min. income ≈ HK$193,816/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$763,514 · Scale 2, in force from 26 Feb 2026)