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$45,898
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,326
−HK$1,451/mo
Today · 4.125%
HK$48,777
baseline
▲ 0.50% · 4.625%
HK$51,744
+HK$2,967/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$97,554/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$762,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,061
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,431
−HK$1,389/mo
Today · 4.125%
HK$53,820
baseline
▲ 0.50% · 4.625%
HK$56,657
+HK$2,837/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$107,640/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$762,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,078
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$56,791
−HK$1,741/mo
Today · 4.125%
HK$58,532
baseline
▲ 0.50% · 4.625%
HK$62,093
+HK$3,561/mo
Deposit HK$8.05M · loan HK$12.08M · min. income ≈ HK$117,064/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$762,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,274
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,917
−HK$1,667/mo
Today · 4.125%
HK$64,584
baseline
▲ 0.50% · 4.625%
HK$67,988
+HK$3,404/mo
Deposit HK$8.05M · loan HK$12.08M · min. income ≈ HK$129,168/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$762,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,258
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$66,256
−HK$2,031/mo
Today · 4.125%
HK$68,287
baseline
▲ 0.50% · 4.625%
HK$72,442
+HK$4,155/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$136,574/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$762,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,486
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$73,403
−HK$1,945/mo
Today · 4.125%
HK$75,348
baseline
▲ 0.50% · 4.625%
HK$79,320
+HK$3,972/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$150,696/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$762,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,617
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$85,187
−HK$2,611/mo
Today · 4.125%
HK$87,798
baseline
▲ 0.50% · 4.625%
HK$93,140
+HK$5,342/mo
Deposit HK$2.01M · loan HK$18.12M · min. income ≈ HK$175,596/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$762,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,911
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$94,376
−HK$2,500/mo
Today · 4.125%
HK$96,876
baseline
▲ 0.50% · 4.625%
HK$101,983
+HK$5,107/mo
Deposit HK$2.01M · loan HK$18.12M · min. income ≈ HK$193,752/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$762,858 · Scale 2, in force from 26 Feb 2026)