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$45,869
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$47,296
−HK$1,449/mo
Today · 4.125%
HK$48,745
baseline
▲ 0.50% · 4.625%
HK$51,711
+HK$2,966/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$97,490/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$761,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,029
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,397
−HK$1,389/mo
Today · 4.125%
HK$53,786
baseline
▲ 0.50% · 4.625%
HK$56,621
+HK$2,835/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$107,572/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$761,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,043
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,755
−HK$1,740/mo
Today · 4.125%
HK$58,495
baseline
▲ 0.50% · 4.625%
HK$62,054
+HK$3,559/mo
Deposit HK$8.05M · loan HK$12.07M · min. income ≈ HK$116,990/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$761,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,235
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,877
−HK$1,666/mo
Today · 4.125%
HK$64,543
baseline
▲ 0.50% · 4.625%
HK$67,945
+HK$3,402/mo
Deposit HK$8.05M · loan HK$12.07M · min. income ≈ HK$129,086/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$761,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,217
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$66,214
−HK$2,030/mo
Today · 4.125%
HK$68,244
baseline
▲ 0.50% · 4.625%
HK$72,396
+HK$4,152/mo
Deposit HK$6.03M · loan HK$14.08M · min. income ≈ HK$136,488/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$761,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,440
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$73,356
−HK$1,944/mo
Today · 4.125%
HK$75,300
baseline
▲ 0.50% · 4.625%
HK$79,269
+HK$3,969/mo
Deposit HK$6.03M · loan HK$14.08M · min. income ≈ HK$150,600/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$761,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,564
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$85,132
−HK$2,610/mo
Today · 4.125%
HK$87,742
baseline
▲ 0.50% · 4.625%
HK$93,081
+HK$5,339/mo
Deposit HK$2.01M · loan HK$18.10M · min. income ≈ HK$175,484/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$761,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,852
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$94,315
−HK$2,499/mo
Today · 4.125%
HK$96,814
baseline
▲ 0.50% · 4.625%
HK$101,918
+HK$5,104/mo
Deposit HK$2.01M · loan HK$18.10M · min. income ≈ HK$193,628/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$761,574 · Scale 2, in force from 26 Feb 2026)