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$45,756
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$47,179
−HK$1,446/mo
Today · 4.125%
HK$48,625
baseline
▲ 0.50% · 4.625%
HK$51,584
+HK$2,959/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$97,250/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$756,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,903
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,268
−HK$1,385/mo
Today · 4.125%
HK$53,653
baseline
▲ 0.50% · 4.625%
HK$56,481
+HK$2,828/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$107,306/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$756,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,907
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,615
−HK$1,735/mo
Today · 4.125%
HK$58,350
baseline
▲ 0.50% · 4.625%
HK$61,900
+HK$3,550/mo
Deposit HK$8.03M · loan HK$12.04M · min. income ≈ HK$116,700/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$756,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,083
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,722
−HK$1,661/mo
Today · 4.125%
HK$64,383
baseline
▲ 0.50% · 4.625%
HK$67,777
+HK$3,394/mo
Deposit HK$8.03M · loan HK$12.04M · min. income ≈ HK$128,766/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$756,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,058
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$66,051
−HK$2,024/mo
Today · 4.125%
HK$68,075
baseline
▲ 0.50% · 4.625%
HK$72,217
+HK$4,142/mo
Deposit HK$6.02M · loan HK$14.05M · min. income ≈ HK$136,150/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$756,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,264
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$73,175
−HK$1,939/mo
Today · 4.125%
HK$75,114
baseline
▲ 0.50% · 4.625%
HK$79,073
+HK$3,959/mo
Deposit HK$6.02M · loan HK$14.05M · min. income ≈ HK$150,228/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$756,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,360
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$84,922
−HK$2,603/mo
Today · 4.125%
HK$87,525
baseline
▲ 0.50% · 4.625%
HK$92,851
+HK$5,326/mo
Deposit HK$2.01M · loan HK$18.06M · min. income ≈ HK$175,050/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$756,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,625
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$94,082
−HK$2,493/mo
Today · 4.125%
HK$96,575
baseline
▲ 0.50% · 4.625%
HK$101,666
+HK$5,091/mo
Deposit HK$2.01M · loan HK$18.06M · min. income ≈ HK$193,150/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$756,603 · Scale 2, in force from 26 Feb 2026)