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$45,758
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,182
−HK$1,446/mo
Today · 4.125%
HK$48,628
baseline
▲ 0.50% · 4.625%
HK$51,587
+HK$2,959/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$97,256/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$756,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,906
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,271
−HK$1,385/mo
Today · 4.125%
HK$53,656
baseline
▲ 0.50% · 4.625%
HK$56,484
+HK$2,828/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$107,312/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$756,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,910
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,618
−HK$1,735/mo
Today · 4.125%
HK$58,353
baseline
▲ 0.50% · 4.625%
HK$61,904
+HK$3,551/mo
Deposit HK$8.03M · loan HK$12.04M · min. income ≈ HK$116,706/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$756,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,087
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,725
−HK$1,662/mo
Today · 4.125%
HK$64,387
baseline
▲ 0.50% · 4.625%
HK$67,781
+HK$3,394/mo
Deposit HK$8.03M · loan HK$12.04M · min. income ≈ HK$128,774/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$756,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,062
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$66,054
−HK$2,025/mo
Today · 4.125%
HK$68,079
baseline
▲ 0.50% · 4.625%
HK$72,221
+HK$4,142/mo
Deposit HK$6.02M · loan HK$14.05M · min. income ≈ HK$136,158/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$756,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,268
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$73,179
−HK$1,939/mo
Today · 4.125%
HK$75,118
baseline
▲ 0.50% · 4.625%
HK$79,078
+HK$3,960/mo
Deposit HK$6.02M · loan HK$14.05M · min. income ≈ HK$150,236/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$756,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,365
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$84,927
−HK$2,603/mo
Today · 4.125%
HK$87,530
baseline
▲ 0.50% · 4.625%
HK$92,856
+HK$5,326/mo
Deposit HK$2.01M · loan HK$18.06M · min. income ≈ HK$175,060/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$756,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,630
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$94,088
−HK$2,493/mo
Today · 4.125%
HK$96,581
baseline
▲ 0.50% · 4.625%
HK$101,671
+HK$5,090/mo
Deposit HK$2.01M · loan HK$18.06M · min. income ≈ HK$193,162/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$756,715 · Scale 2, in force from 26 Feb 2026)