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$45,931
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,360
−HK$1,452/mo
Today · 4.125%
HK$48,812
baseline
▲ 0.50% · 4.625%
HK$51,782
+HK$2,970/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$97,624/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$764,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,098
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,469
−HK$1,390/mo
Today · 4.125%
HK$53,859
baseline
▲ 0.50% · 4.625%
HK$56,698
+HK$2,839/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$107,718/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$764,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,118
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,832
−HK$1,742/mo
Today · 4.125%
HK$58,574
baseline
▲ 0.50% · 4.625%
HK$62,138
+HK$3,564/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$117,148/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$764,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,318
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$62,962
−HK$1,669/mo
Today · 4.125%
HK$64,631
baseline
▲ 0.50% · 4.625%
HK$68,038
+HK$3,407/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$129,262/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$764,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,304
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$66,304
−HK$2,033/mo
Today · 4.125%
HK$68,337
baseline
▲ 0.50% · 4.625%
HK$72,495
+HK$4,158/mo
Deposit HK$6.04M · loan HK$14.10M · min. income ≈ HK$136,674/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$764,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,538
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$73,456
−HK$1,947/mo
Today · 4.125%
HK$75,403
baseline
▲ 0.50% · 4.625%
HK$79,377
+HK$3,974/mo
Deposit HK$6.04M · loan HK$14.10M · min. income ≈ HK$150,806/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$764,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,677
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$85,248
−HK$2,613/mo
Today · 4.125%
HK$87,861
baseline
▲ 0.50% · 4.625%
HK$93,207
+HK$5,346/mo
Deposit HK$2.01M · loan HK$18.13M · min. income ≈ HK$175,722/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$764,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,977
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$94,444
−HK$2,502/mo
Today · 4.125%
HK$96,946
baseline
▲ 0.50% · 4.625%
HK$102,056
+HK$5,110/mo
Deposit HK$2.01M · loan HK$18.13M · min. income ≈ HK$193,892/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$764,312 · Scale 2, in force from 26 Feb 2026)