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$45,953
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$47,383
−HK$1,452/mo
Today · 4.125%
HK$48,835
baseline
▲ 0.50% · 4.625%
HK$51,806
+HK$2,971/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$97,670/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$765,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,123
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,494
−HK$1,391/mo
Today · 4.125%
HK$53,885
baseline
▲ 0.50% · 4.625%
HK$56,725
+HK$2,840/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$107,770/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$765,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,144
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,859
−HK$1,743/mo
Today · 4.125%
HK$58,602
baseline
▲ 0.50% · 4.625%
HK$62,168
+HK$3,566/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$117,204/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$765,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,347
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$62,992
−HK$1,669/mo
Today · 4.125%
HK$64,661
baseline
▲ 0.50% · 4.625%
HK$68,070
+HK$3,409/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$129,322/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$765,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,335
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$66,336
−HK$2,033/mo
Today · 4.125%
HK$68,369
baseline
▲ 0.50% · 4.625%
HK$72,529
+HK$4,160/mo
Deposit HK$6.05M · loan HK$14.11M · min. income ≈ HK$136,738/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$765,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,572
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$73,491
−HK$1,947/mo
Today · 4.125%
HK$75,438
baseline
▲ 0.50% · 4.625%
HK$79,415
+HK$3,977/mo
Deposit HK$6.05M · loan HK$14.11M · min. income ≈ HK$150,876/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$765,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,716
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$85,289
−HK$2,614/mo
Today · 4.125%
HK$87,903
baseline
▲ 0.50% · 4.625%
HK$93,252
+HK$5,349/mo
Deposit HK$2.02M · loan HK$18.14M · min. income ≈ HK$175,806/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$765,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,021
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$94,488
−HK$2,504/mo
Today · 4.125%
HK$96,992
baseline
▲ 0.50% · 4.625%
HK$102,105
+HK$5,113/mo
Deposit HK$2.02M · loan HK$18.14M · min. income ≈ HK$193,984/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$765,267 · Scale 2, in force from 26 Feb 2026)