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$45,778
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$47,202
−HK$1,447/mo
Today · 4.125%
HK$48,649
baseline
▲ 0.50% · 4.625%
HK$51,609
+HK$2,960/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$97,298/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$757,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,928
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$52,294
−HK$1,385/mo
Today · 4.125%
HK$53,679
baseline
▲ 0.50% · 4.625%
HK$56,509
+HK$2,830/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$107,358/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$757,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,934
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$56,643
−HK$1,736/mo
Today · 4.125%
HK$58,379
baseline
▲ 0.50% · 4.625%
HK$61,931
+HK$3,552/mo
Deposit HK$8.03M · loan HK$12.05M · min. income ≈ HK$116,758/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$757,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,113
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,752
−HK$1,663/mo
Today · 4.125%
HK$64,415
baseline
▲ 0.50% · 4.625%
HK$67,811
+HK$3,396/mo
Deposit HK$8.03M · loan HK$12.05M · min. income ≈ HK$128,830/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$757,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,089
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$66,083
−HK$2,025/mo
Today · 4.125%
HK$68,108
baseline
▲ 0.50% · 4.625%
HK$72,253
+HK$4,145/mo
Deposit HK$6.02M · loan HK$14.05M · min. income ≈ HK$136,216/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$757,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,299
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$73,211
−HK$1,940/mo
Today · 4.125%
HK$75,151
baseline
▲ 0.50% · 4.625%
HK$79,112
+HK$3,961/mo
Deposit HK$6.02M · loan HK$14.05M · min. income ≈ HK$150,302/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$757,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,401
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$84,964
−HK$2,604/mo
Today · 4.125%
HK$87,568
baseline
▲ 0.50% · 4.625%
HK$92,896
+HK$5,328/mo
Deposit HK$2.01M · loan HK$18.07M · min. income ≈ HK$175,136/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$757,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,670
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$94,129
−HK$2,494/mo
Today · 4.125%
HK$96,623
baseline
▲ 0.50% · 4.625%
HK$101,716
+HK$5,093/mo
Deposit HK$2.01M · loan HK$18.07M · min. income ≈ HK$193,246/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$757,590 · Scale 2, in force from 26 Feb 2026)