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$45,988
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,418
−HK$1,453/mo
Today · 4.125%
HK$48,871
baseline
▲ 0.50% · 4.625%
HK$51,845
+HK$2,974/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$97,742/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$766,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,161
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,533
−HK$1,392/mo
Today · 4.125%
HK$53,925
baseline
▲ 0.50% · 4.625%
HK$56,767
+HK$2,842/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$107,850/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$766,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,185
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$56,902
−HK$1,744/mo
Today · 4.125%
HK$58,646
baseline
▲ 0.50% · 4.625%
HK$62,214
+HK$3,568/mo
Deposit HK$8.07M · loan HK$12.10M · min. income ≈ HK$117,292/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$766,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,393
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,039
−HK$1,671/mo
Today · 4.125%
HK$64,710
baseline
▲ 0.50% · 4.625%
HK$68,121
+HK$3,411/mo
Deposit HK$8.07M · loan HK$12.10M · min. income ≈ HK$129,420/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$766,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,383
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$66,385
−HK$2,035/mo
Today · 4.125%
HK$68,420
baseline
▲ 0.50% · 4.625%
HK$72,583
+HK$4,163/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$136,840/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$766,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,625
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$73,546
−HK$1,949/mo
Today · 4.125%
HK$75,495
baseline
▲ 0.50% · 4.625%
HK$79,474
+HK$3,979/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$150,990/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$766,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,778
−HK$5,191/mo
▼ 0.25% · 3.875%
HK$85,353
−HK$2,616/mo
Today · 4.125%
HK$87,969
baseline
▲ 0.50% · 4.625%
HK$93,321
+HK$5,352/mo
Deposit HK$2.02M · loan HK$18.15M · min. income ≈ HK$175,938/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$766,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,089
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$94,559
−HK$2,506/mo
Today · 4.125%
HK$97,065
baseline
▲ 0.50% · 4.625%
HK$102,181
+HK$5,116/mo
Deposit HK$2.02M · loan HK$18.15M · min. income ≈ HK$194,130/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$766,776 · Scale 2, in force from 26 Feb 2026)