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$45,945
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,374
−HK$1,452/mo
Today · 4.125%
HK$48,826
baseline
▲ 0.50% · 4.625%
HK$51,797
+HK$2,971/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$97,652/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$764,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,113
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,484
−HK$1,391/mo
Today · 4.125%
HK$53,875
baseline
▲ 0.50% · 4.625%
HK$56,714
+HK$2,839/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$107,750/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$764,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,134
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$56,849
−HK$1,742/mo
Today · 4.125%
HK$58,591
baseline
▲ 0.50% · 4.625%
HK$62,156
+HK$3,565/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$117,182/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$764,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,336
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$62,981
−HK$1,668/mo
Today · 4.125%
HK$64,649
baseline
▲ 0.50% · 4.625%
HK$68,057
+HK$3,408/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$129,298/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$764,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,323
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$66,323
−HK$2,033/mo
Today · 4.125%
HK$68,356
baseline
▲ 0.50% · 4.625%
HK$72,516
+HK$4,160/mo
Deposit HK$6.04M · loan HK$14.10M · min. income ≈ HK$136,712/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$764,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,558
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$73,477
−HK$1,947/mo
Today · 4.125%
HK$75,424
baseline
▲ 0.50% · 4.625%
HK$79,400
+HK$3,976/mo
Deposit HK$6.04M · loan HK$14.10M · min. income ≈ HK$150,848/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$764,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,701
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$85,273
−HK$2,614/mo
Today · 4.125%
HK$87,887
baseline
▲ 0.50% · 4.625%
HK$93,234
+HK$5,347/mo
Deposit HK$2.01M · loan HK$18.13M · min. income ≈ HK$175,774/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$764,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,004
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$94,471
−HK$2,503/mo
Today · 4.125%
HK$96,974
baseline
▲ 0.50% · 4.625%
HK$102,086
+HK$5,112/mo
Deposit HK$2.01M · loan HK$18.13M · min. income ≈ HK$193,948/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$764,895 · Scale 2, in force from 26 Feb 2026)