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$45,772
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,195
−HK$1,447/mo
Today · 4.125%
HK$48,642
baseline
▲ 0.50% · 4.625%
HK$51,602
+HK$2,960/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$97,284/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$757,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,921
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$52,286
−HK$1,386/mo
Today · 4.125%
HK$53,672
baseline
▲ 0.50% · 4.625%
HK$56,501
+HK$2,829/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$107,344/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$757,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,926
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,635
−HK$1,735/mo
Today · 4.125%
HK$58,370
baseline
▲ 0.50% · 4.625%
HK$61,922
+HK$3,552/mo
Deposit HK$8.03M · loan HK$12.04M · min. income ≈ HK$116,740/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$757,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,105
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,743
−HK$1,663/mo
Today · 4.125%
HK$64,406
baseline
▲ 0.50% · 4.625%
HK$67,801
+HK$3,395/mo
Deposit HK$8.03M · loan HK$12.04M · min. income ≈ HK$128,812/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$757,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,080
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$66,074
−HK$2,025/mo
Today · 4.125%
HK$68,099
baseline
▲ 0.50% · 4.625%
HK$72,242
+HK$4,143/mo
Deposit HK$6.02M · loan HK$14.05M · min. income ≈ HK$136,198/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$757,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,289
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$73,201
−HK$1,939/mo
Today · 4.125%
HK$75,140
baseline
▲ 0.50% · 4.625%
HK$79,101
+HK$3,961/mo
Deposit HK$6.02M · loan HK$14.05M · min. income ≈ HK$150,280/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$757,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,389
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$84,952
−HK$2,604/mo
Today · 4.125%
HK$87,556
baseline
▲ 0.50% · 4.625%
HK$92,883
+HK$5,327/mo
Deposit HK$2.01M · loan HK$18.07M · min. income ≈ HK$175,112/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$757,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,657
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$94,115
−HK$2,494/mo
Today · 4.125%
HK$96,609
baseline
▲ 0.50% · 4.625%
HK$101,701
+HK$5,092/mo
Deposit HK$2.01M · loan HK$18.07M · min. income ≈ HK$193,218/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$757,305 · Scale 2, in force from 26 Feb 2026)