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$45,742
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$47,165
−HK$1,446/mo
Today · 4.125%
HK$48,611
baseline
▲ 0.50% · 4.625%
HK$51,569
+HK$2,958/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$97,222/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$756,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,888
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,253
−HK$1,384/mo
Today · 4.125%
HK$53,637
baseline
▲ 0.50% · 4.625%
HK$56,464
+HK$2,827/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$107,274/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$756,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,891
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,598
−HK$1,735/mo
Today · 4.125%
HK$58,333
baseline
▲ 0.50% · 4.625%
HK$61,882
+HK$3,549/mo
Deposit HK$8.02M · loan HK$12.04M · min. income ≈ HK$116,666/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$756,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,065
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,703
−HK$1,662/mo
Today · 4.125%
HK$64,365
baseline
▲ 0.50% · 4.625%
HK$67,757
+HK$3,392/mo
Deposit HK$8.02M · loan HK$12.04M · min. income ≈ HK$128,730/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$756,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,039
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$66,031
−HK$2,024/mo
Today · 4.125%
HK$68,055
baseline
▲ 0.50% · 4.625%
HK$72,196
+HK$4,141/mo
Deposit HK$6.02M · loan HK$14.04M · min. income ≈ HK$136,110/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$756,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,243
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$73,154
−HK$1,938/mo
Today · 4.125%
HK$75,092
baseline
▲ 0.50% · 4.625%
HK$79,050
+HK$3,958/mo
Deposit HK$6.02M · loan HK$14.04M · min. income ≈ HK$150,184/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$756,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,336
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$84,897
−HK$2,602/mo
Today · 4.125%
HK$87,499
baseline
▲ 0.50% · 4.625%
HK$92,823
+HK$5,324/mo
Deposit HK$2.01M · loan HK$18.05M · min. income ≈ HK$174,998/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$756,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,598
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$94,055
−HK$2,492/mo
Today · 4.125%
HK$96,547
baseline
▲ 0.50% · 4.625%
HK$101,636
+HK$5,089/mo
Deposit HK$2.01M · loan HK$18.05M · min. income ≈ HK$193,094/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$756,015 · Scale 2, in force from 26 Feb 2026)