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$45,885
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,312
−HK$1,450/mo
Today · 4.125%
HK$48,762
baseline
▲ 0.50% · 4.625%
HK$51,729
+HK$2,967/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$97,524/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$762,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,046
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,415
−HK$1,389/mo
Today · 4.125%
HK$53,804
baseline
▲ 0.50% · 4.625%
HK$56,640
+HK$2,836/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$107,608/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$762,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,062
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,774
−HK$1,741/mo
Today · 4.125%
HK$58,515
baseline
▲ 0.50% · 4.625%
HK$62,075
+HK$3,560/mo
Deposit HK$8.05M · loan HK$12.07M · min. income ≈ HK$117,030/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$762,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,256
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,898
−HK$1,667/mo
Today · 4.125%
HK$64,565
baseline
▲ 0.50% · 4.625%
HK$67,968
+HK$3,403/mo
Deposit HK$8.05M · loan HK$12.07M · min. income ≈ HK$129,130/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$762,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,239
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$66,237
−HK$2,030/mo
Today · 4.125%
HK$68,267
baseline
▲ 0.50% · 4.625%
HK$72,421
+HK$4,154/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$136,534/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$762,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,465
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$73,382
−HK$1,944/mo
Today · 4.125%
HK$75,326
baseline
▲ 0.50% · 4.625%
HK$79,296
+HK$3,970/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$150,652/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$762,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,593
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$85,162
−HK$2,610/mo
Today · 4.125%
HK$87,772
baseline
▲ 0.50% · 4.625%
HK$93,113
+HK$5,341/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$175,544/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$762,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,883
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$94,348
−HK$2,500/mo
Today · 4.125%
HK$96,848
baseline
▲ 0.50% · 4.625%
HK$101,953
+HK$5,105/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$193,696/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$762,265 · Scale 2, in force from 26 Feb 2026)