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$45,967
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,397
−HK$1,453/mo
Today · 4.125%
HK$48,850
baseline
▲ 0.50% · 4.625%
HK$51,822
+HK$2,972/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$97,700/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$765,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,138
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,510
−HK$1,391/mo
Today · 4.125%
HK$53,901
baseline
▲ 0.50% · 4.625%
HK$56,742
+HK$2,841/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$107,802/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$765,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,161
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,877
−HK$1,743/mo
Today · 4.125%
HK$58,620
baseline
▲ 0.50% · 4.625%
HK$62,187
+HK$3,567/mo
Deposit HK$8.06M · loan HK$12.10M · min. income ≈ HK$117,240/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$765,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,366
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$63,012
−HK$1,669/mo
Today · 4.125%
HK$64,681
baseline
▲ 0.50% · 4.625%
HK$68,091
+HK$3,410/mo
Deposit HK$8.06M · loan HK$12.10M · min. income ≈ HK$129,362/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$765,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,354
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$66,356
−HK$2,034/mo
Today · 4.125%
HK$68,390
baseline
▲ 0.50% · 4.625%
HK$72,551
+HK$4,161/mo
Deposit HK$6.05M · loan HK$14.11M · min. income ≈ HK$136,780/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$765,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,593
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$73,513
−HK$1,948/mo
Today · 4.125%
HK$75,461
baseline
▲ 0.50% · 4.625%
HK$79,439
+HK$3,978/mo
Deposit HK$6.05M · loan HK$14.11M · min. income ≈ HK$150,922/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$765,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,741
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$85,315
−HK$2,615/mo
Today · 4.125%
HK$87,930
baseline
▲ 0.50% · 4.625%
HK$93,280
+HK$5,350/mo
Deposit HK$2.02M · loan HK$18.14M · min. income ≈ HK$175,860/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$765,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,049
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$94,517
−HK$2,505/mo
Today · 4.125%
HK$97,022
baseline
▲ 0.50% · 4.625%
HK$102,136
+HK$5,114/mo
Deposit HK$2.02M · loan HK$18.14M · min. income ≈ HK$194,044/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$765,881 · Scale 2, in force from 26 Feb 2026)