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$45,890
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,318
−HK$1,450/mo
Today · 4.125%
HK$48,768
baseline
▲ 0.50% · 4.625%
HK$51,735
+HK$2,967/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$97,536/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$762,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,052
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,422
−HK$1,389/mo
Today · 4.125%
HK$53,811
baseline
▲ 0.50% · 4.625%
HK$56,647
+HK$2,836/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$107,622/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$762,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,068
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$56,781
−HK$1,741/mo
Today · 4.125%
HK$58,522
baseline
▲ 0.50% · 4.625%
HK$62,082
+HK$3,560/mo
Deposit HK$8.05M · loan HK$12.08M · min. income ≈ HK$117,044/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$762,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,263
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,906
−HK$1,667/mo
Today · 4.125%
HK$64,573
baseline
▲ 0.50% · 4.625%
HK$67,976
+HK$3,403/mo
Deposit HK$8.05M · loan HK$12.08M · min. income ≈ HK$129,146/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$762,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,246
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$66,245
−HK$2,030/mo
Today · 4.125%
HK$68,275
baseline
▲ 0.50% · 4.625%
HK$72,430
+HK$4,155/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$136,550/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$762,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,473
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$73,390
−HK$1,945/mo
Today · 4.125%
HK$75,335
baseline
▲ 0.50% · 4.625%
HK$79,306
+HK$3,971/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$150,670/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$762,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,602
−HK$5,180/mo
▼ 0.25% · 3.875%
HK$85,172
−HK$2,610/mo
Today · 4.125%
HK$87,782
baseline
▲ 0.50% · 4.625%
HK$93,124
+HK$5,342/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$175,564/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$762,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,894
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$94,359
−HK$2,500/mo
Today · 4.125%
HK$96,859
baseline
▲ 0.50% · 4.625%
HK$101,965
+HK$5,106/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$193,718/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$762,504 · Scale 2, in force from 26 Feb 2026)