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$45,768
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,192
−HK$1,446/mo
Today · 4.125%
HK$48,638
baseline
▲ 0.50% · 4.625%
HK$51,598
+HK$2,960/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$97,276/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$757,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,917
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$52,282
−HK$1,386/mo
Today · 4.125%
HK$53,668
baseline
▲ 0.50% · 4.625%
HK$56,497
+HK$2,829/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$107,336/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$757,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,922
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,630
−HK$1,736/mo
Today · 4.125%
HK$58,366
baseline
▲ 0.50% · 4.625%
HK$61,918
+HK$3,552/mo
Deposit HK$8.03M · loan HK$12.04M · min. income ≈ HK$116,732/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$757,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,100
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,739
−HK$1,662/mo
Today · 4.125%
HK$64,401
baseline
▲ 0.50% · 4.625%
HK$67,796
+HK$3,395/mo
Deposit HK$8.03M · loan HK$12.04M · min. income ≈ HK$128,802/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$757,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,076
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$66,069
−HK$2,025/mo
Today · 4.125%
HK$68,094
baseline
▲ 0.50% · 4.625%
HK$72,237
+HK$4,143/mo
Deposit HK$6.02M · loan HK$14.05M · min. income ≈ HK$136,188/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$757,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,284
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$73,195
−HK$1,940/mo
Today · 4.125%
HK$75,135
baseline
▲ 0.50% · 4.625%
HK$79,095
+HK$3,960/mo
Deposit HK$6.02M · loan HK$14.05M · min. income ≈ HK$150,270/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$757,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,383
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$84,946
−HK$2,603/mo
Today · 4.125%
HK$87,549
baseline
▲ 0.50% · 4.625%
HK$92,876
+HK$5,327/mo
Deposit HK$2.01M · loan HK$18.06M · min. income ≈ HK$175,098/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$757,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,650
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$94,108
−HK$2,494/mo
Today · 4.125%
HK$96,602
baseline
▲ 0.50% · 4.625%
HK$101,694
+HK$5,092/mo
Deposit HK$2.01M · loan HK$18.06M · min. income ≈ HK$193,204/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$757,160 · Scale 2, in force from 26 Feb 2026)