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$45,771
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,194
−HK$1,447/mo
Today · 4.125%
HK$48,641
baseline
▲ 0.50% · 4.625%
HK$51,600
+HK$2,959/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$97,282/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$757,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,919
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$52,285
−HK$1,385/mo
Today · 4.125%
HK$53,670
baseline
▲ 0.50% · 4.625%
HK$56,499
+HK$2,829/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$107,340/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$757,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,925
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,633
−HK$1,736/mo
Today · 4.125%
HK$58,369
baseline
▲ 0.50% · 4.625%
HK$61,921
+HK$3,552/mo
Deposit HK$8.03M · loan HK$12.04M · min. income ≈ HK$116,738/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$757,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,103
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,742
−HK$1,662/mo
Today · 4.125%
HK$64,404
baseline
▲ 0.50% · 4.625%
HK$67,799
+HK$3,395/mo
Deposit HK$8.03M · loan HK$12.04M · min. income ≈ HK$128,808/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$757,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,079
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$66,072
−HK$2,025/mo
Today · 4.125%
HK$68,097
baseline
▲ 0.50% · 4.625%
HK$72,241
+HK$4,144/mo
Deposit HK$6.02M · loan HK$14.05M · min. income ≈ HK$136,194/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$757,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,287
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$73,199
−HK$1,939/mo
Today · 4.125%
HK$75,138
baseline
▲ 0.50% · 4.625%
HK$79,099
+HK$3,961/mo
Deposit HK$6.02M · loan HK$14.05M · min. income ≈ HK$150,276/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$757,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,387
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$84,950
−HK$2,603/mo
Today · 4.125%
HK$87,553
baseline
▲ 0.50% · 4.625%
HK$92,881
+HK$5,328/mo
Deposit HK$2.01M · loan HK$18.07M · min. income ≈ HK$175,106/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$757,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,655
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$94,113
−HK$2,494/mo
Today · 4.125%
HK$96,607
baseline
▲ 0.50% · 4.625%
HK$101,699
+HK$5,092/mo
Deposit HK$2.01M · loan HK$18.07M · min. income ≈ HK$193,214/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$757,256 · Scale 2, in force from 26 Feb 2026)