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$45,743
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,166
−HK$1,445/mo
Today · 4.125%
HK$48,611
baseline
▲ 0.50% · 4.625%
HK$51,569
+HK$2,958/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$97,222/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$756,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,888
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,253
−HK$1,385/mo
Today · 4.125%
HK$53,638
baseline
▲ 0.50% · 4.625%
HK$56,465
+HK$2,827/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$107,276/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$756,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,891
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,599
−HK$1,734/mo
Today · 4.125%
HK$58,333
baseline
▲ 0.50% · 4.625%
HK$61,883
+HK$3,550/mo
Deposit HK$8.02M · loan HK$12.04M · min. income ≈ HK$116,666/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$756,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,066
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,704
−HK$1,661/mo
Today · 4.125%
HK$64,365
baseline
▲ 0.50% · 4.625%
HK$67,758
+HK$3,393/mo
Deposit HK$8.02M · loan HK$12.04M · min. income ≈ HK$128,730/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$756,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,040
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$66,032
−HK$2,024/mo
Today · 4.125%
HK$68,056
baseline
▲ 0.50% · 4.625%
HK$72,197
+HK$4,141/mo
Deposit HK$6.02M · loan HK$14.04M · min. income ≈ HK$136,112/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$756,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,244
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$73,154
−HK$1,939/mo
Today · 4.125%
HK$75,093
baseline
▲ 0.50% · 4.625%
HK$79,051
+HK$3,958/mo
Deposit HK$6.02M · loan HK$14.04M · min. income ≈ HK$150,186/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$756,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,337
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$84,898
−HK$2,602/mo
Today · 4.125%
HK$87,500
baseline
▲ 0.50% · 4.625%
HK$92,824
+HK$5,324/mo
Deposit HK$2.01M · loan HK$18.05M · min. income ≈ HK$175,000/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$756,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,599
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$94,056
−HK$2,492/mo
Today · 4.125%
HK$96,548
baseline
▲ 0.50% · 4.625%
HK$101,637
+HK$5,089/mo
Deposit HK$2.01M · loan HK$18.05M · min. income ≈ HK$193,096/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$756,033 · Scale 2, in force from 26 Feb 2026)