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$45,964
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$47,394
−HK$1,452/mo
Today · 4.125%
HK$48,846
baseline
▲ 0.50% · 4.625%
HK$51,818
+HK$2,972/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$97,692/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$765,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,134
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,506
−HK$1,391/mo
Today · 4.125%
HK$53,897
baseline
▲ 0.50% · 4.625%
HK$56,738
+HK$2,841/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$107,794/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$765,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,157
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,872
−HK$1,744/mo
Today · 4.125%
HK$58,616
baseline
▲ 0.50% · 4.625%
HK$62,182
+HK$3,566/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$117,232/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$765,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,361
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$63,007
−HK$1,669/mo
Today · 4.125%
HK$64,676
baseline
▲ 0.50% · 4.625%
HK$68,086
+HK$3,410/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$129,352/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$765,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,350
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$66,351
−HK$2,034/mo
Today · 4.125%
HK$68,385
baseline
▲ 0.50% · 4.625%
HK$72,546
+HK$4,161/mo
Deposit HK$6.05M · loan HK$14.11M · min. income ≈ HK$136,770/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$765,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,588
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$73,508
−HK$1,948/mo
Today · 4.125%
HK$75,456
baseline
▲ 0.50% · 4.625%
HK$79,433
+HK$3,977/mo
Deposit HK$6.05M · loan HK$14.11M · min. income ≈ HK$150,912/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$765,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,735
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$85,309
−HK$2,614/mo
Today · 4.125%
HK$87,923
baseline
▲ 0.50% · 4.625%
HK$93,273
+HK$5,350/mo
Deposit HK$2.02M · loan HK$18.14M · min. income ≈ HK$175,846/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$765,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,042
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$94,510
−HK$2,505/mo
Today · 4.125%
HK$97,015
baseline
▲ 0.50% · 4.625%
HK$102,128
+HK$5,113/mo
Deposit HK$2.02M · loan HK$18.14M · min. income ≈ HK$194,030/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$765,736 · Scale 2, in force from 26 Feb 2026)