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$45,860
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$47,287
−HK$1,449/mo
Today · 4.125%
HK$48,736
baseline
▲ 0.50% · 4.625%
HK$51,701
+HK$2,965/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$97,472/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$761,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,019
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,387
−HK$1,388/mo
Today · 4.125%
HK$53,775
baseline
▲ 0.50% · 4.625%
HK$56,610
+HK$2,835/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$107,550/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$761,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,032
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$56,744
−HK$1,739/mo
Today · 4.125%
HK$58,483
baseline
▲ 0.50% · 4.625%
HK$62,042
+HK$3,559/mo
Deposit HK$8.04M · loan HK$12.07M · min. income ≈ HK$116,966/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$761,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,223
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$62,865
−HK$1,665/mo
Today · 4.125%
HK$64,530
baseline
▲ 0.50% · 4.625%
HK$67,932
+HK$3,402/mo
Deposit HK$8.04M · loan HK$12.07M · min. income ≈ HK$129,060/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$761,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,204
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$66,201
−HK$2,029/mo
Today · 4.125%
HK$68,230
baseline
▲ 0.50% · 4.625%
HK$72,382
+HK$4,152/mo
Deposit HK$6.03M · loan HK$14.08M · min. income ≈ HK$136,460/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$761,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,426
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,342
−HK$1,943/mo
Today · 4.125%
HK$75,285
baseline
▲ 0.50% · 4.625%
HK$79,254
+HK$3,969/mo
Deposit HK$6.03M · loan HK$14.08M · min. income ≈ HK$150,570/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$761,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,548
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$85,116
−HK$2,609/mo
Today · 4.125%
HK$87,725
baseline
▲ 0.50% · 4.625%
HK$93,062
+HK$5,337/mo
Deposit HK$2.01M · loan HK$18.10M · min. income ≈ HK$175,450/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$761,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,834
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$94,297
−HK$2,498/mo
Today · 4.125%
HK$96,795
baseline
▲ 0.50% · 4.625%
HK$101,898
+HK$5,103/mo
Deposit HK$2.01M · loan HK$18.10M · min. income ≈ HK$193,590/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$761,179 · Scale 2, in force from 26 Feb 2026)