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$45,901
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,329
−HK$1,450/mo
Today · 4.125%
HK$48,779
baseline
▲ 0.50% · 4.625%
HK$51,747
+HK$2,968/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$97,558/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$762,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,064
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,434
−HK$1,389/mo
Today · 4.125%
HK$53,823
baseline
▲ 0.50% · 4.625%
HK$56,660
+HK$2,837/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$107,646/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$762,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,081
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$56,795
−HK$1,740/mo
Today · 4.125%
HK$58,535
baseline
▲ 0.50% · 4.625%
HK$62,097
+HK$3,562/mo
Deposit HK$8.05M · loan HK$12.08M · min. income ≈ HK$117,070/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$762,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,277
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$62,921
−HK$1,667/mo
Today · 4.125%
HK$64,588
baseline
▲ 0.50% · 4.625%
HK$67,992
+HK$3,404/mo
Deposit HK$8.05M · loan HK$12.08M · min. income ≈ HK$129,176/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$762,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,261
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$66,260
−HK$2,031/mo
Today · 4.125%
HK$68,291
baseline
▲ 0.50% · 4.625%
HK$72,446
+HK$4,155/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$136,582/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$762,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,490
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$73,407
−HK$1,946/mo
Today · 4.125%
HK$75,353
baseline
▲ 0.50% · 4.625%
HK$79,324
+HK$3,971/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$150,706/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$762,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,622
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$85,192
−HK$2,611/mo
Today · 4.125%
HK$87,803
baseline
▲ 0.50% · 4.625%
HK$93,145
+HK$5,342/mo
Deposit HK$2.01M · loan HK$18.12M · min. income ≈ HK$175,606/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$762,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,916
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$94,381
−HK$2,501/mo
Today · 4.125%
HK$96,882
baseline
▲ 0.50% · 4.625%
HK$101,989
+HK$5,107/mo
Deposit HK$2.01M · loan HK$18.12M · min. income ≈ HK$193,764/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$762,975 · Scale 2, in force from 26 Feb 2026)