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$45,766
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,190
−HK$1,446/mo
Today · 4.125%
HK$48,636
baseline
▲ 0.50% · 4.625%
HK$51,596
+HK$2,960/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$97,272/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$757,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,915
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,280
−HK$1,385/mo
Today · 4.125%
HK$53,665
baseline
▲ 0.50% · 4.625%
HK$56,494
+HK$2,829/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$107,330/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$757,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,920
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,628
−HK$1,736/mo
Today · 4.125%
HK$58,364
baseline
▲ 0.50% · 4.625%
HK$61,915
+HK$3,551/mo
Deposit HK$8.03M · loan HK$12.04M · min. income ≈ HK$116,728/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$757,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,098
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,736
−HK$1,663/mo
Today · 4.125%
HK$64,399
baseline
▲ 0.50% · 4.625%
HK$67,793
+HK$3,394/mo
Deposit HK$8.03M · loan HK$12.04M · min. income ≈ HK$128,798/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$757,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,073
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$66,066
−HK$2,025/mo
Today · 4.125%
HK$68,091
baseline
▲ 0.50% · 4.625%
HK$72,234
+HK$4,143/mo
Deposit HK$6.02M · loan HK$14.05M · min. income ≈ HK$136,182/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$757,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,281
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$73,192
−HK$1,940/mo
Today · 4.125%
HK$75,132
baseline
▲ 0.50% · 4.625%
HK$79,092
+HK$3,960/mo
Deposit HK$6.02M · loan HK$14.05M · min. income ≈ HK$150,264/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$757,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,380
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$84,942
−HK$2,604/mo
Today · 4.125%
HK$87,546
baseline
▲ 0.50% · 4.625%
HK$92,872
+HK$5,326/mo
Deposit HK$2.01M · loan HK$18.06M · min. income ≈ HK$175,092/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$757,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,646
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$94,104
−HK$2,494/mo
Today · 4.125%
HK$96,598
baseline
▲ 0.50% · 4.625%
HK$101,690
+HK$5,092/mo
Deposit HK$2.01M · loan HK$18.06M · min. income ≈ HK$193,196/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$757,075 · Scale 2, in force from 26 Feb 2026)