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$45,940
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,369
−HK$1,452/mo
Today · 4.125%
HK$48,821
baseline
▲ 0.50% · 4.625%
HK$51,791
+HK$2,970/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$97,642/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$764,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,107
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,478
−HK$1,391/mo
Today · 4.125%
HK$53,869
baseline
▲ 0.50% · 4.625%
HK$56,708
+HK$2,839/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$107,738/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$764,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,128
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$56,842
−HK$1,743/mo
Today · 4.125%
HK$58,585
baseline
▲ 0.50% · 4.625%
HK$62,149
+HK$3,564/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$117,170/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$764,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,329
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$62,974
−HK$1,668/mo
Today · 4.125%
HK$64,642
baseline
▲ 0.50% · 4.625%
HK$68,050
+HK$3,408/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$129,284/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$764,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,316
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$66,316
−HK$2,033/mo
Today · 4.125%
HK$68,349
baseline
▲ 0.50% · 4.625%
HK$72,508
+HK$4,159/mo
Deposit HK$6.04M · loan HK$14.10M · min. income ≈ HK$136,698/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$764,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,550
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$73,469
−HK$1,947/mo
Today · 4.125%
HK$75,416
baseline
▲ 0.50% · 4.625%
HK$79,391
+HK$3,975/mo
Deposit HK$6.04M · loan HK$14.10M · min. income ≈ HK$150,832/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$764,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,691
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$85,264
−HK$2,613/mo
Today · 4.125%
HK$87,877
baseline
▲ 0.50% · 4.625%
HK$93,224
+HK$5,347/mo
Deposit HK$2.01M · loan HK$18.13M · min. income ≈ HK$175,754/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$764,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,993
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$94,461
−HK$2,503/mo
Today · 4.125%
HK$96,964
baseline
▲ 0.50% · 4.625%
HK$102,075
+HK$5,111/mo
Deposit HK$2.01M · loan HK$18.13M · min. income ≈ HK$193,928/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$764,673 · Scale 2, in force from 26 Feb 2026)