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$45,953
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$47,382
−HK$1,453/mo
Today · 4.125%
HK$48,835
baseline
▲ 0.50% · 4.625%
HK$51,806
+HK$2,971/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$97,670/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$765,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,122
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,493
−HK$1,391/mo
Today · 4.125%
HK$53,884
baseline
▲ 0.50% · 4.625%
HK$56,725
+HK$2,841/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$107,768/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$765,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,144
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,859
−HK$1,743/mo
Today · 4.125%
HK$58,602
baseline
▲ 0.50% · 4.625%
HK$62,167
+HK$3,565/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$117,204/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$765,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,347
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$62,992
−HK$1,669/mo
Today · 4.125%
HK$64,661
baseline
▲ 0.50% · 4.625%
HK$68,070
+HK$3,409/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$129,322/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$765,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,334
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$66,335
−HK$2,034/mo
Today · 4.125%
HK$68,369
baseline
▲ 0.50% · 4.625%
HK$72,529
+HK$4,160/mo
Deposit HK$6.05M · loan HK$14.11M · min. income ≈ HK$136,738/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$765,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,571
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$73,491
−HK$1,947/mo
Today · 4.125%
HK$75,438
baseline
▲ 0.50% · 4.625%
HK$79,414
+HK$3,976/mo
Deposit HK$6.05M · loan HK$14.11M · min. income ≈ HK$150,876/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$765,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,715
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$85,288
−HK$2,614/mo
Today · 4.125%
HK$87,902
baseline
▲ 0.50% · 4.625%
HK$93,251
+HK$5,349/mo
Deposit HK$2.02M · loan HK$18.14M · min. income ≈ HK$175,804/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$765,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,020
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$94,488
−HK$2,504/mo
Today · 4.125%
HK$96,992
baseline
▲ 0.50% · 4.625%
HK$102,104
+HK$5,112/mo
Deposit HK$2.02M · loan HK$18.14M · min. income ≈ HK$193,984/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$765,258 · Scale 2, in force from 26 Feb 2026)