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$45,981
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,412
−HK$1,453/mo
Today · 4.125%
HK$48,865
baseline
▲ 0.50% · 4.625%
HK$51,838
+HK$2,973/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$97,730/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$766,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,154
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,526
−HK$1,392/mo
Today · 4.125%
HK$53,918
baseline
▲ 0.50% · 4.625%
HK$56,760
+HK$2,842/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$107,836/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$766,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,178
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,894
−HK$1,744/mo
Today · 4.125%
HK$58,638
baseline
▲ 0.50% · 4.625%
HK$62,206
+HK$3,568/mo
Deposit HK$8.07M · loan HK$12.10M · min. income ≈ HK$117,276/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$766,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,385
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,031
−HK$1,670/mo
Today · 4.125%
HK$64,701
baseline
▲ 0.50% · 4.625%
HK$68,112
+HK$3,411/mo
Deposit HK$8.07M · loan HK$12.10M · min. income ≈ HK$129,402/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$766,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,374
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$66,376
−HK$2,035/mo
Today · 4.125%
HK$68,411
baseline
▲ 0.50% · 4.625%
HK$72,574
+HK$4,163/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$136,822/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$766,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,616
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$73,536
−HK$1,949/mo
Today · 4.125%
HK$75,485
baseline
▲ 0.50% · 4.625%
HK$79,464
+HK$3,979/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$150,970/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$766,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,767
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$85,341
−HK$2,616/mo
Today · 4.125%
HK$87,957
baseline
▲ 0.50% · 4.625%
HK$93,309
+HK$5,352/mo
Deposit HK$2.02M · loan HK$18.15M · min. income ≈ HK$175,914/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$766,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,077
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$94,547
−HK$2,505/mo
Today · 4.125%
HK$97,052
baseline
▲ 0.50% · 4.625%
HK$102,167
+HK$5,115/mo
Deposit HK$2.02M · loan HK$18.15M · min. income ≈ HK$194,104/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$766,505 · Scale 2, in force from 26 Feb 2026)