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$45,975
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,405
−HK$1,453/mo
Today · 4.125%
HK$48,858
baseline
▲ 0.50% · 4.625%
HK$51,831
+HK$2,973/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$97,716/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$766,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,147
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,519
−HK$1,391/mo
Today · 4.125%
HK$53,910
baseline
▲ 0.50% · 4.625%
HK$56,752
+HK$2,842/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$107,820/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$766,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,170
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,887
−HK$1,743/mo
Today · 4.125%
HK$58,630
baseline
▲ 0.50% · 4.625%
HK$62,198
+HK$3,568/mo
Deposit HK$8.06M · loan HK$12.10M · min. income ≈ HK$117,260/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$766,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,377
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,023
−HK$1,670/mo
Today · 4.125%
HK$64,693
baseline
▲ 0.50% · 4.625%
HK$68,103
+HK$3,410/mo
Deposit HK$8.06M · loan HK$12.10M · min. income ≈ HK$129,386/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$766,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,366
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$66,368
−HK$2,034/mo
Today · 4.125%
HK$68,402
baseline
▲ 0.50% · 4.625%
HK$72,564
+HK$4,162/mo
Deposit HK$6.05M · loan HK$14.11M · min. income ≈ HK$136,804/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$766,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,606
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$73,526
−HK$1,949/mo
Today · 4.125%
HK$75,475
baseline
▲ 0.50% · 4.625%
HK$79,453
+HK$3,978/mo
Deposit HK$6.05M · loan HK$14.11M · min. income ≈ HK$150,950/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$766,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,756
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$85,330
−HK$2,615/mo
Today · 4.125%
HK$87,945
baseline
▲ 0.50% · 4.625%
HK$93,296
+HK$5,351/mo
Deposit HK$2.02M · loan HK$18.15M · min. income ≈ HK$175,890/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$766,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,065
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$94,534
−HK$2,505/mo
Today · 4.125%
HK$97,039
baseline
▲ 0.50% · 4.625%
HK$102,154
+HK$5,115/mo
Deposit HK$2.02M · loan HK$18.15M · min. income ≈ HK$194,078/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$766,238 · Scale 2, in force from 26 Feb 2026)