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$45,857
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$47,284
−HK$1,449/mo
Today · 4.125%
HK$48,733
baseline
▲ 0.50% · 4.625%
HK$51,698
+HK$2,965/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$97,466/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$761,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,016
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,384
−HK$1,388/mo
Today · 4.125%
HK$53,772
baseline
▲ 0.50% · 4.625%
HK$56,607
+HK$2,835/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$107,544/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$761,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,029
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$56,741
−HK$1,739/mo
Today · 4.125%
HK$58,480
baseline
▲ 0.50% · 4.625%
HK$62,038
+HK$3,558/mo
Deposit HK$8.04M · loan HK$12.07M · min. income ≈ HK$116,960/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$761,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,219
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,861
−HK$1,666/mo
Today · 4.125%
HK$64,527
baseline
▲ 0.50% · 4.625%
HK$67,928
+HK$3,401/mo
Deposit HK$8.04M · loan HK$12.07M · min. income ≈ HK$129,054/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$761,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,200
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$66,197
−HK$2,029/mo
Today · 4.125%
HK$68,226
baseline
▲ 0.50% · 4.625%
HK$72,378
+HK$4,152/mo
Deposit HK$6.03M · loan HK$14.08M · min. income ≈ HK$136,452/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$761,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,422
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,338
−HK$1,943/mo
Today · 4.125%
HK$75,281
baseline
▲ 0.50% · 4.625%
HK$79,249
+HK$3,968/mo
Deposit HK$6.03M · loan HK$14.08M · min. income ≈ HK$150,562/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$761,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,543
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$85,111
−HK$2,609/mo
Today · 4.125%
HK$87,720
baseline
▲ 0.50% · 4.625%
HK$93,057
+HK$5,337/mo
Deposit HK$2.01M · loan HK$18.10M · min. income ≈ HK$175,440/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$761,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,829
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$94,291
−HK$2,499/mo
Today · 4.125%
HK$96,790
baseline
▲ 0.50% · 4.625%
HK$101,892
+HK$5,102/mo
Deposit HK$2.01M · loan HK$18.10M · min. income ≈ HK$193,580/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$761,065 · Scale 2, in force from 26 Feb 2026)