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$45,809
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$47,234
−HK$1,447/mo
Today · 4.125%
HK$48,681
baseline
▲ 0.50% · 4.625%
HK$51,644
+HK$2,963/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$97,362/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$758,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,962
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,329
−HK$1,386/mo
Today · 4.125%
HK$53,715
baseline
▲ 0.50% · 4.625%
HK$56,547
+HK$2,832/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$107,430/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$758,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,971
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,680
−HK$1,738/mo
Today · 4.125%
HK$58,418
baseline
▲ 0.50% · 4.625%
HK$61,972
+HK$3,554/mo
Deposit HK$8.04M · loan HK$12.05M · min. income ≈ HK$116,836/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$758,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,154
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,794
−HK$1,664/mo
Today · 4.125%
HK$64,458
baseline
▲ 0.50% · 4.625%
HK$67,856
+HK$3,398/mo
Deposit HK$8.04M · loan HK$12.05M · min. income ≈ HK$128,916/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$758,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,132
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$66,127
−HK$2,027/mo
Today · 4.125%
HK$68,154
baseline
▲ 0.50% · 4.625%
HK$72,301
+HK$4,147/mo
Deposit HK$6.03M · loan HK$14.06M · min. income ≈ HK$136,308/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$758,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,347
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$73,260
−HK$1,941/mo
Today · 4.125%
HK$75,201
baseline
▲ 0.50% · 4.625%
HK$79,165
+HK$3,964/mo
Deposit HK$6.03M · loan HK$14.06M · min. income ≈ HK$150,402/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$758,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,456
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$85,021
−HK$2,606/mo
Today · 4.125%
HK$87,627
baseline
▲ 0.50% · 4.625%
HK$92,958
+HK$5,331/mo
Deposit HK$2.01M · loan HK$18.08M · min. income ≈ HK$175,254/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$758,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,731
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$94,191
−HK$2,496/mo
Today · 4.125%
HK$96,687
baseline
▲ 0.50% · 4.625%
HK$101,784
+HK$5,097/mo
Deposit HK$2.01M · loan HK$18.08M · min. income ≈ HK$193,374/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$758,932 · Scale 2, in force from 26 Feb 2026)