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$45,944
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,373
−HK$1,452/mo
Today · 4.125%
HK$48,825
baseline
▲ 0.50% · 4.625%
HK$51,796
+HK$2,971/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$97,650/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$764,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,113
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,483
−HK$1,391/mo
Today · 4.125%
HK$53,874
baseline
▲ 0.50% · 4.625%
HK$56,714
+HK$2,840/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$107,748/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$764,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,133
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$56,848
−HK$1,742/mo
Today · 4.125%
HK$58,590
baseline
▲ 0.50% · 4.625%
HK$62,156
+HK$3,566/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$117,180/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$764,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,335
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$62,980
−HK$1,669/mo
Today · 4.125%
HK$64,649
baseline
▲ 0.50% · 4.625%
HK$68,057
+HK$3,408/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$129,298/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$764,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,322
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$66,323
−HK$2,033/mo
Today · 4.125%
HK$68,356
baseline
▲ 0.50% · 4.625%
HK$72,515
+HK$4,159/mo
Deposit HK$6.04M · loan HK$14.10M · min. income ≈ HK$136,712/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$764,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,558
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$73,477
−HK$1,947/mo
Today · 4.125%
HK$75,424
baseline
▲ 0.50% · 4.625%
HK$79,399
+HK$3,975/mo
Deposit HK$6.04M · loan HK$14.10M · min. income ≈ HK$150,848/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$764,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,700
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$85,272
−HK$2,614/mo
Today · 4.125%
HK$87,886
baseline
▲ 0.50% · 4.625%
HK$93,233
+HK$5,347/mo
Deposit HK$2.01M · loan HK$18.13M · min. income ≈ HK$175,772/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$764,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,003
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$94,470
−HK$2,503/mo
Today · 4.125%
HK$96,973
baseline
▲ 0.50% · 4.625%
HK$102,085
+HK$5,112/mo
Deposit HK$2.01M · loan HK$18.13M · min. income ≈ HK$193,946/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$764,874 · Scale 2, in force from 26 Feb 2026)