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$45,929
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$47,358
−HK$1,451/mo
Today · 4.125%
HK$48,809
baseline
▲ 0.50% · 4.625%
HK$51,779
+HK$2,970/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$97,618/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$764,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,096
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$52,466
−HK$1,390/mo
Today · 4.125%
HK$53,856
baseline
▲ 0.50% · 4.625%
HK$56,695
+HK$2,839/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$107,712/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$764,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,115
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,830
−HK$1,741/mo
Today · 4.125%
HK$58,571
baseline
▲ 0.50% · 4.625%
HK$62,135
+HK$3,564/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$117,142/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$764,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,315
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$62,960
−HK$1,668/mo
Today · 4.125%
HK$64,628
baseline
▲ 0.50% · 4.625%
HK$68,034
+HK$3,406/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$129,256/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$764,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,301
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$66,301
−HK$2,032/mo
Today · 4.125%
HK$68,333
baseline
▲ 0.50% · 4.625%
HK$72,491
+HK$4,158/mo
Deposit HK$6.04M · loan HK$14.10M · min. income ≈ HK$136,666/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$764,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,534
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$73,453
−HK$1,946/mo
Today · 4.125%
HK$75,399
baseline
▲ 0.50% · 4.625%
HK$79,373
+HK$3,974/mo
Deposit HK$6.04M · loan HK$14.10M · min. income ≈ HK$150,798/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$764,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,673
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$85,244
−HK$2,613/mo
Today · 4.125%
HK$87,857
baseline
▲ 0.50% · 4.625%
HK$93,203
+HK$5,346/mo
Deposit HK$2.01M · loan HK$18.13M · min. income ≈ HK$175,714/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$764,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,973
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$94,439
−HK$2,503/mo
Today · 4.125%
HK$96,942
baseline
▲ 0.50% · 4.625%
HK$102,052
+HK$5,110/mo
Deposit HK$2.01M · loan HK$18.13M · min. income ≈ HK$193,884/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$764,218 · Scale 2, in force from 26 Feb 2026)