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$45,882
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,309
−HK$1,450/mo
Today · 4.125%
HK$48,759
baseline
▲ 0.50% · 4.625%
HK$51,726
+HK$2,967/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$97,518/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$762,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,043
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,412
−HK$1,389/mo
Today · 4.125%
HK$53,801
baseline
▲ 0.50% · 4.625%
HK$56,637
+HK$2,836/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$107,602/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$762,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,058
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,771
−HK$1,740/mo
Today · 4.125%
HK$58,511
baseline
▲ 0.50% · 4.625%
HK$62,071
+HK$3,560/mo
Deposit HK$8.05M · loan HK$12.07M · min. income ≈ HK$117,022/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$762,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,252
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,895
−HK$1,666/mo
Today · 4.125%
HK$64,561
baseline
▲ 0.50% · 4.625%
HK$67,964
+HK$3,403/mo
Deposit HK$8.05M · loan HK$12.07M · min. income ≈ HK$129,122/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$762,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,235
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$66,233
−HK$2,030/mo
Today · 4.125%
HK$68,263
baseline
▲ 0.50% · 4.625%
HK$72,416
+HK$4,153/mo
Deposit HK$6.04M · loan HK$14.08M · min. income ≈ HK$136,526/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$762,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,460
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$73,377
−HK$1,944/mo
Today · 4.125%
HK$75,321
baseline
▲ 0.50% · 4.625%
HK$79,292
+HK$3,971/mo
Deposit HK$6.04M · loan HK$14.08M · min. income ≈ HK$150,642/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$762,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,588
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$85,156
−HK$2,610/mo
Today · 4.125%
HK$87,766
baseline
▲ 0.50% · 4.625%
HK$93,107
+HK$5,341/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$175,532/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$762,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,878
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$94,342
−HK$2,500/mo
Today · 4.125%
HK$96,842
baseline
▲ 0.50% · 4.625%
HK$101,946
+HK$5,104/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$193,684/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$762,140 · Scale 2, in force from 26 Feb 2026)