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$45,918
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,346
−HK$1,451/mo
Today · 4.125%
HK$48,797
baseline
▲ 0.50% · 4.625%
HK$51,766
+HK$2,969/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$97,594/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$763,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,083
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$52,453
−HK$1,390/mo
Today · 4.125%
HK$53,843
baseline
▲ 0.50% · 4.625%
HK$56,681
+HK$2,838/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$107,686/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$763,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,101
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,815
−HK$1,742/mo
Today · 4.125%
HK$58,557
baseline
▲ 0.50% · 4.625%
HK$62,120
+HK$3,563/mo
Deposit HK$8.05M · loan HK$12.08M · min. income ≈ HK$117,114/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$763,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,300
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$62,944
−HK$1,667/mo
Today · 4.125%
HK$64,611
baseline
▲ 0.50% · 4.625%
HK$68,017
+HK$3,406/mo
Deposit HK$8.05M · loan HK$12.08M · min. income ≈ HK$129,222/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$763,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,285
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$66,284
−HK$2,032/mo
Today · 4.125%
HK$68,316
baseline
▲ 0.50% · 4.625%
HK$72,473
+HK$4,157/mo
Deposit HK$6.04M · loan HK$14.10M · min. income ≈ HK$136,632/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$763,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,516
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$73,434
−HK$1,946/mo
Today · 4.125%
HK$75,380
baseline
▲ 0.50% · 4.625%
HK$79,353
+HK$3,973/mo
Deposit HK$6.04M · loan HK$14.10M · min. income ≈ HK$150,760/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$763,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,652
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$85,223
−HK$2,612/mo
Today · 4.125%
HK$87,835
baseline
▲ 0.50% · 4.625%
HK$93,179
+HK$5,344/mo
Deposit HK$2.01M · loan HK$18.12M · min. income ≈ HK$175,670/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$763,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,949
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$94,415
−HK$2,502/mo
Today · 4.125%
HK$96,917
baseline
▲ 0.50% · 4.625%
HK$102,026
+HK$5,109/mo
Deposit HK$2.01M · loan HK$18.12M · min. income ≈ HK$193,834/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$763,706 · Scale 2, in force from 26 Feb 2026)