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$45,992
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,423
−HK$1,453/mo
Today · 4.125%
HK$48,876
baseline
▲ 0.50% · 4.625%
HK$51,851
+HK$2,975/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$97,752/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$766,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,166
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,538
−HK$1,392/mo
Today · 4.125%
HK$53,930
baseline
▲ 0.50% · 4.625%
HK$56,773
+HK$2,843/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$107,860/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$766,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,191
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$56,908
−HK$1,744/mo
Today · 4.125%
HK$58,652
baseline
▲ 0.50% · 4.625%
HK$62,221
+HK$3,569/mo
Deposit HK$8.07M · loan HK$12.10M · min. income ≈ HK$117,304/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$766,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,399
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,046
−HK$1,670/mo
Today · 4.125%
HK$64,716
baseline
▲ 0.50% · 4.625%
HK$68,128
+HK$3,412/mo
Deposit HK$8.07M · loan HK$12.10M · min. income ≈ HK$129,432/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$766,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,389
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$66,392
−HK$2,035/mo
Today · 4.125%
HK$68,427
baseline
▲ 0.50% · 4.625%
HK$72,591
+HK$4,164/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$136,854/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$766,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,632
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$73,554
−HK$1,949/mo
Today · 4.125%
HK$75,503
baseline
▲ 0.50% · 4.625%
HK$79,482
+HK$3,979/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$151,006/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$766,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,786
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$85,361
−HK$2,617/mo
Today · 4.125%
HK$87,978
baseline
▲ 0.50% · 4.625%
HK$93,331
+HK$5,353/mo
Deposit HK$2.02M · loan HK$18.15M · min. income ≈ HK$175,956/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$766,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,099
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$94,569
−HK$2,506/mo
Today · 4.125%
HK$97,075
baseline
▲ 0.50% · 4.625%
HK$102,192
+HK$5,117/mo
Deposit HK$2.02M · loan HK$18.15M · min. income ≈ HK$194,150/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$766,983 · Scale 2, in force from 26 Feb 2026)