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$45,781
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$47,205
−HK$1,447/mo
Today · 4.125%
HK$48,652
baseline
▲ 0.50% · 4.625%
HK$51,613
+HK$2,961/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$97,304/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$757,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,931
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,297
−HK$1,386/mo
Today · 4.125%
HK$53,683
baseline
▲ 0.50% · 4.625%
HK$56,513
+HK$2,830/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$107,366/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$757,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,938
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$56,647
−HK$1,736/mo
Today · 4.125%
HK$58,383
baseline
▲ 0.50% · 4.625%
HK$61,935
+HK$3,552/mo
Deposit HK$8.03M · loan HK$12.05M · min. income ≈ HK$116,766/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$757,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,118
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,757
−HK$1,663/mo
Today · 4.125%
HK$64,420
baseline
▲ 0.50% · 4.625%
HK$67,815
+HK$3,395/mo
Deposit HK$8.03M · loan HK$12.05M · min. income ≈ HK$128,840/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$757,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,094
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$66,088
−HK$2,025/mo
Today · 4.125%
HK$68,113
baseline
▲ 0.50% · 4.625%
HK$72,258
+HK$4,145/mo
Deposit HK$6.02M · loan HK$14.05M · min. income ≈ HK$136,226/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$757,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,304
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$73,216
−HK$1,940/mo
Today · 4.125%
HK$75,156
baseline
▲ 0.50% · 4.625%
HK$79,118
+HK$3,962/mo
Deposit HK$6.02M · loan HK$14.05M · min. income ≈ HK$150,312/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$757,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,406
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$84,970
−HK$2,604/mo
Today · 4.125%
HK$87,574
baseline
▲ 0.50% · 4.625%
HK$92,903
+HK$5,329/mo
Deposit HK$2.01M · loan HK$18.07M · min. income ≈ HK$175,148/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$757,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,676
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$94,135
−HK$2,494/mo
Today · 4.125%
HK$96,629
baseline
▲ 0.50% · 4.625%
HK$101,723
+HK$5,094/mo
Deposit HK$2.01M · loan HK$18.07M · min. income ≈ HK$193,258/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$757,729 · Scale 2, in force from 26 Feb 2026)