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$45,777
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$47,201
−HK$1,447/mo
Today · 4.125%
HK$48,648
baseline
▲ 0.50% · 4.625%
HK$51,608
+HK$2,960/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$97,296/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$757,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,927
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$52,293
−HK$1,385/mo
Today · 4.125%
HK$53,678
baseline
▲ 0.50% · 4.625%
HK$56,508
+HK$2,830/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$107,356/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$757,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,933
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$56,642
−HK$1,736/mo
Today · 4.125%
HK$58,378
baseline
▲ 0.50% · 4.625%
HK$61,930
+HK$3,552/mo
Deposit HK$8.03M · loan HK$12.05M · min. income ≈ HK$116,756/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$757,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,112
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,751
−HK$1,663/mo
Today · 4.125%
HK$64,414
baseline
▲ 0.50% · 4.625%
HK$67,809
+HK$3,395/mo
Deposit HK$8.03M · loan HK$12.05M · min. income ≈ HK$128,828/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$757,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,088
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$66,082
−HK$2,025/mo
Today · 4.125%
HK$68,107
baseline
▲ 0.50% · 4.625%
HK$72,252
+HK$4,145/mo
Deposit HK$6.02M · loan HK$14.05M · min. income ≈ HK$136,214/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$757,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,298
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$73,210
−HK$1,940/mo
Today · 4.125%
HK$75,150
baseline
▲ 0.50% · 4.625%
HK$79,111
+HK$3,961/mo
Deposit HK$6.02M · loan HK$14.05M · min. income ≈ HK$150,300/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$757,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,399
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$84,963
−HK$2,604/mo
Today · 4.125%
HK$87,567
baseline
▲ 0.50% · 4.625%
HK$92,895
+HK$5,328/mo
Deposit HK$2.01M · loan HK$18.07M · min. income ≈ HK$175,134/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$757,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,669
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$94,127
−HK$2,494/mo
Today · 4.125%
HK$96,621
baseline
▲ 0.50% · 4.625%
HK$101,714
+HK$5,093/mo
Deposit HK$2.01M · loan HK$18.07M · min. income ≈ HK$193,242/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$757,558 · Scale 2, in force from 26 Feb 2026)