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$45,867
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$47,293
−HK$1,450/mo
Today · 4.125%
HK$48,743
baseline
▲ 0.50% · 4.625%
HK$51,709
+HK$2,966/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$97,486/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$761,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,026
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,395
−HK$1,388/mo
Today · 4.125%
HK$53,783
baseline
▲ 0.50% · 4.625%
HK$56,618
+HK$2,835/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$107,566/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$761,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,040
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,752
−HK$1,740/mo
Today · 4.125%
HK$58,492
baseline
▲ 0.50% · 4.625%
HK$62,051
+HK$3,559/mo
Deposit HK$8.05M · loan HK$12.07M · min. income ≈ HK$116,984/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$761,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,232
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,874
−HK$1,666/mo
Today · 4.125%
HK$64,540
baseline
▲ 0.50% · 4.625%
HK$67,942
+HK$3,402/mo
Deposit HK$8.05M · loan HK$12.07M · min. income ≈ HK$129,080/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$761,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,213
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$66,211
−HK$2,029/mo
Today · 4.125%
HK$68,240
baseline
▲ 0.50% · 4.625%
HK$72,392
+HK$4,152/mo
Deposit HK$6.03M · loan HK$14.08M · min. income ≈ HK$136,480/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$761,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,437
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,353
−HK$1,943/mo
Today · 4.125%
HK$75,296
baseline
▲ 0.50% · 4.625%
HK$79,265
+HK$3,969/mo
Deposit HK$6.03M · loan HK$14.08M · min. income ≈ HK$150,592/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$761,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,560
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$85,128
−HK$2,609/mo
Today · 4.125%
HK$87,737
baseline
▲ 0.50% · 4.625%
HK$93,076
+HK$5,339/mo
Deposit HK$2.01M · loan HK$18.10M · min. income ≈ HK$175,474/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$761,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,847
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$94,311
−HK$2,498/mo
Today · 4.125%
HK$96,809
baseline
▲ 0.50% · 4.625%
HK$101,912
+HK$5,103/mo
Deposit HK$2.01M · loan HK$18.10M · min. income ≈ HK$193,618/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$761,472 · Scale 2, in force from 26 Feb 2026)