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$45,969
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,399
−HK$1,453/mo
Today · 4.125%
HK$48,852
baseline
▲ 0.50% · 4.625%
HK$51,824
+HK$2,972/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$97,704/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$765,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,140
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,512
−HK$1,391/mo
Today · 4.125%
HK$53,903
baseline
▲ 0.50% · 4.625%
HK$56,744
+HK$2,841/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$107,806/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$765,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,163
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,879
−HK$1,743/mo
Today · 4.125%
HK$58,622
baseline
▲ 0.50% · 4.625%
HK$62,189
+HK$3,567/mo
Deposit HK$8.06M · loan HK$12.10M · min. income ≈ HK$117,244/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$765,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,368
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,014
−HK$1,670/mo
Today · 4.125%
HK$64,684
baseline
▲ 0.50% · 4.625%
HK$68,093
+HK$3,409/mo
Deposit HK$8.06M · loan HK$12.10M · min. income ≈ HK$129,368/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$765,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,357
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$66,358
−HK$2,034/mo
Today · 4.125%
HK$68,392
baseline
▲ 0.50% · 4.625%
HK$72,554
+HK$4,162/mo
Deposit HK$6.05M · loan HK$14.11M · min. income ≈ HK$136,784/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$765,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,596
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$73,516
−HK$1,948/mo
Today · 4.125%
HK$75,464
baseline
▲ 0.50% · 4.625%
HK$79,442
+HK$3,978/mo
Deposit HK$6.05M · loan HK$14.11M · min. income ≈ HK$150,928/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$765,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,744
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$85,318
−HK$2,615/mo
Today · 4.125%
HK$87,933
baseline
▲ 0.50% · 4.625%
HK$93,284
+HK$5,351/mo
Deposit HK$2.02M · loan HK$18.14M · min. income ≈ HK$175,866/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$765,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,052
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$94,521
−HK$2,504/mo
Today · 4.125%
HK$97,025
baseline
▲ 0.50% · 4.625%
HK$102,140
+HK$5,115/mo
Deposit HK$2.02M · loan HK$18.14M · min. income ≈ HK$194,050/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$765,958 · Scale 2, in force from 26 Feb 2026)