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$45,938
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,367
−HK$1,452/mo
Today · 4.125%
HK$48,819
baseline
▲ 0.50% · 4.625%
HK$51,789
+HK$2,970/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$97,638/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$764,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,105
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,476
−HK$1,390/mo
Today · 4.125%
HK$53,866
baseline
▲ 0.50% · 4.625%
HK$56,706
+HK$2,840/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$107,732/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$764,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,125
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$56,840
−HK$1,742/mo
Today · 4.125%
HK$58,582
baseline
▲ 0.50% · 4.625%
HK$62,147
+HK$3,565/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$117,164/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$764,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,326
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$62,971
−HK$1,669/mo
Today · 4.125%
HK$64,640
baseline
▲ 0.50% · 4.625%
HK$68,047
+HK$3,407/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$129,280/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$764,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,313
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$66,313
−HK$2,033/mo
Today · 4.125%
HK$68,346
baseline
▲ 0.50% · 4.625%
HK$72,505
+HK$4,159/mo
Deposit HK$6.04M · loan HK$14.10M · min. income ≈ HK$136,692/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$764,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,548
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$73,466
−HK$1,947/mo
Today · 4.125%
HK$75,413
baseline
▲ 0.50% · 4.625%
HK$79,388
+HK$3,975/mo
Deposit HK$6.04M · loan HK$14.10M · min. income ≈ HK$150,826/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$764,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,688
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$85,260
−HK$2,613/mo
Today · 4.125%
HK$87,873
baseline
▲ 0.50% · 4.625%
HK$93,220
+HK$5,347/mo
Deposit HK$2.01M · loan HK$18.13M · min. income ≈ HK$175,746/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$764,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,990
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$94,457
−HK$2,503/mo
Today · 4.125%
HK$96,960
baseline
▲ 0.50% · 4.625%
HK$102,070
+HK$5,110/mo
Deposit HK$2.01M · loan HK$18.13M · min. income ≈ HK$193,920/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$764,591 · Scale 2, in force from 26 Feb 2026)