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$45,910
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,338
−HK$1,451/mo
Today · 4.125%
HK$48,789
baseline
▲ 0.50% · 4.625%
HK$51,758
+HK$2,969/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$97,578/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$763,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,075
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,445
−HK$1,389/mo
Today · 4.125%
HK$53,834
baseline
▲ 0.50% · 4.625%
HK$56,672
+HK$2,838/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$107,668/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$763,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,092
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,806
−HK$1,741/mo
Today · 4.125%
HK$58,547
baseline
▲ 0.50% · 4.625%
HK$62,110
+HK$3,563/mo
Deposit HK$8.05M · loan HK$12.08M · min. income ≈ HK$117,094/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$763,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,290
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$62,934
−HK$1,667/mo
Today · 4.125%
HK$64,601
baseline
▲ 0.50% · 4.625%
HK$68,006
+HK$3,405/mo
Deposit HK$8.05M · loan HK$12.08M · min. income ≈ HK$129,202/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$763,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,275
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$66,274
−HK$2,031/mo
Today · 4.125%
HK$68,305
baseline
▲ 0.50% · 4.625%
HK$72,461
+HK$4,156/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$136,610/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$763,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,505
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$73,423
−HK$1,945/mo
Today · 4.125%
HK$75,368
baseline
▲ 0.50% · 4.625%
HK$79,341
+HK$3,973/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$150,736/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$763,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,639
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$85,209
−HK$2,612/mo
Today · 4.125%
HK$87,821
baseline
▲ 0.50% · 4.625%
HK$93,165
+HK$5,344/mo
Deposit HK$2.01M · loan HK$18.12M · min. income ≈ HK$175,642/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$763,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,935
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$94,400
−HK$2,502/mo
Today · 4.125%
HK$96,902
baseline
▲ 0.50% · 4.625%
HK$102,010
+HK$5,108/mo
Deposit HK$2.01M · loan HK$18.12M · min. income ≈ HK$193,804/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$763,388 · Scale 2, in force from 26 Feb 2026)