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$45,838
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,264
−HK$1,449/mo
Today · 4.125%
HK$48,713
baseline
▲ 0.50% · 4.625%
HK$51,677
+HK$2,964/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$97,426/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$760,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,995
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,362
−HK$1,388/mo
Today · 4.125%
HK$53,750
baseline
▲ 0.50% · 4.625%
HK$56,583
+HK$2,833/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$107,500/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$760,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,006
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,717
−HK$1,738/mo
Today · 4.125%
HK$58,455
baseline
▲ 0.50% · 4.625%
HK$62,012
+HK$3,557/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$116,910/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$760,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,194
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$62,835
−HK$1,665/mo
Today · 4.125%
HK$64,500
baseline
▲ 0.50% · 4.625%
HK$67,900
+HK$3,400/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$129,000/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$760,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,174
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$66,170
−HK$2,028/mo
Today · 4.125%
HK$68,198
baseline
▲ 0.50% · 4.625%
HK$72,348
+HK$4,150/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$136,396/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$760,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,393
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$73,307
−HK$1,943/mo
Today · 4.125%
HK$75,250
baseline
▲ 0.50% · 4.625%
HK$79,216
+HK$3,966/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$150,500/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$760,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,509
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$85,076
−HK$2,607/mo
Today · 4.125%
HK$87,683
baseline
▲ 0.50% · 4.625%
HK$93,019
+HK$5,336/mo
Deposit HK$2.01M · loan HK$18.09M · min. income ≈ HK$175,366/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$760,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,791
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$94,252
−HK$2,498/mo
Today · 4.125%
HK$96,750
baseline
▲ 0.50% · 4.625%
HK$101,850
+HK$5,100/mo
Deposit HK$2.01M · loan HK$18.09M · min. income ≈ HK$193,500/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$760,231 · Scale 2, in force from 26 Feb 2026)