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$45,786
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$47,211
−HK$1,447/mo
Today · 4.125%
HK$48,658
baseline
▲ 0.50% · 4.625%
HK$51,618
+HK$2,960/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$97,316/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$757,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,937
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,303
−HK$1,386/mo
Today · 4.125%
HK$53,689
baseline
▲ 0.50% · 4.625%
HK$56,519
+HK$2,830/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$107,378/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$757,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,944
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$56,653
−HK$1,736/mo
Today · 4.125%
HK$58,389
baseline
▲ 0.50% · 4.625%
HK$61,942
+HK$3,553/mo
Deposit HK$8.03M · loan HK$12.05M · min. income ≈ HK$116,778/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$757,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,124
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,764
−HK$1,663/mo
Today · 4.125%
HK$64,427
baseline
▲ 0.50% · 4.625%
HK$67,823
+HK$3,396/mo
Deposit HK$8.03M · loan HK$12.05M · min. income ≈ HK$128,854/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$757,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,101
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$66,095
−HK$2,026/mo
Today · 4.125%
HK$68,121
baseline
▲ 0.50% · 4.625%
HK$72,266
+HK$4,145/mo
Deposit HK$6.02M · loan HK$14.06M · min. income ≈ HK$136,242/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$757,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,312
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$73,224
−HK$1,941/mo
Today · 4.125%
HK$75,165
baseline
▲ 0.50% · 4.625%
HK$79,127
+HK$3,962/mo
Deposit HK$6.02M · loan HK$14.06M · min. income ≈ HK$150,330/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$757,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,416
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$84,979
−HK$2,605/mo
Today · 4.125%
HK$87,584
baseline
▲ 0.50% · 4.625%
HK$92,913
+HK$5,329/mo
Deposit HK$2.01M · loan HK$18.07M · min. income ≈ HK$175,168/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$757,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,687
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$94,146
−HK$2,494/mo
Today · 4.125%
HK$96,640
baseline
▲ 0.50% · 4.625%
HK$101,734
+HK$5,094/mo
Deposit HK$2.01M · loan HK$18.07M · min. income ≈ HK$193,280/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$757,953 · Scale 2, in force from 26 Feb 2026)