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$45,962
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,392
−HK$1,453/mo
Today · 4.125%
HK$48,845
baseline
▲ 0.50% · 4.625%
HK$51,817
+HK$2,972/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$97,690/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$765,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,133
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,504
−HK$1,391/mo
Today · 4.125%
HK$53,895
baseline
▲ 0.50% · 4.625%
HK$56,736
+HK$2,841/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$107,790/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$765,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,155
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,871
−HK$1,743/mo
Today · 4.125%
HK$58,614
baseline
▲ 0.50% · 4.625%
HK$62,180
+HK$3,566/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$117,228/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$765,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,359
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$63,005
−HK$1,669/mo
Today · 4.125%
HK$64,674
baseline
▲ 0.50% · 4.625%
HK$68,083
+HK$3,409/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$129,348/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$765,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,347
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$66,349
−HK$2,034/mo
Today · 4.125%
HK$68,383
baseline
▲ 0.50% · 4.625%
HK$72,543
+HK$4,160/mo
Deposit HK$6.05M · loan HK$14.11M · min. income ≈ HK$136,766/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$765,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,586
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$73,506
−HK$1,947/mo
Today · 4.125%
HK$75,453
baseline
▲ 0.50% · 4.625%
HK$79,431
+HK$3,978/mo
Deposit HK$6.05M · loan HK$14.11M · min. income ≈ HK$150,906/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$765,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,732
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$85,306
−HK$2,614/mo
Today · 4.125%
HK$87,920
baseline
▲ 0.50% · 4.625%
HK$93,270
+HK$5,350/mo
Deposit HK$2.02M · loan HK$18.14M · min. income ≈ HK$175,840/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$765,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,039
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$94,507
−HK$2,504/mo
Today · 4.125%
HK$97,011
baseline
▲ 0.50% · 4.625%
HK$102,125
+HK$5,114/mo
Deposit HK$2.02M · loan HK$18.14M · min. income ≈ HK$194,022/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$765,668 · Scale 2, in force from 26 Feb 2026)