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$45,978
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,408
−HK$1,453/mo
Today · 4.125%
HK$48,861
baseline
▲ 0.50% · 4.625%
HK$51,834
+HK$2,973/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$97,722/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$766,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,150
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,522
−HK$1,391/mo
Today · 4.125%
HK$53,913
baseline
▲ 0.50% · 4.625%
HK$56,755
+HK$2,842/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$107,826/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$766,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,173
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,889
−HK$1,744/mo
Today · 4.125%
HK$58,633
baseline
▲ 0.50% · 4.625%
HK$62,201
+HK$3,568/mo
Deposit HK$8.07M · loan HK$12.10M · min. income ≈ HK$117,266/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$766,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,380
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,026
−HK$1,670/mo
Today · 4.125%
HK$64,696
baseline
▲ 0.50% · 4.625%
HK$68,106
+HK$3,410/mo
Deposit HK$8.07M · loan HK$12.10M · min. income ≈ HK$129,392/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$766,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,369
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$66,371
−HK$2,034/mo
Today · 4.125%
HK$68,405
baseline
▲ 0.50% · 4.625%
HK$72,568
+HK$4,163/mo
Deposit HK$6.05M · loan HK$14.11M · min. income ≈ HK$136,810/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$766,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,610
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$73,530
−HK$1,949/mo
Today · 4.125%
HK$75,479
baseline
▲ 0.50% · 4.625%
HK$79,457
+HK$3,978/mo
Deposit HK$6.05M · loan HK$14.11M · min. income ≈ HK$150,958/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$766,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,760
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$85,334
−HK$2,616/mo
Today · 4.125%
HK$87,950
baseline
▲ 0.50% · 4.625%
HK$93,301
+HK$5,351/mo
Deposit HK$2.02M · loan HK$18.15M · min. income ≈ HK$175,900/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$766,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,070
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$94,539
−HK$2,505/mo
Today · 4.125%
HK$97,044
baseline
▲ 0.50% · 4.625%
HK$102,159
+HK$5,115/mo
Deposit HK$2.02M · loan HK$18.15M · min. income ≈ HK$194,088/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$766,341 · Scale 2, in force from 26 Feb 2026)