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$45,867
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,294
−HK$1,450/mo
Today · 4.125%
HK$48,744
baseline
▲ 0.50% · 4.625%
HK$51,709
+HK$2,965/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$97,488/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$761,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,027
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,395
−HK$1,389/mo
Today · 4.125%
HK$53,784
baseline
▲ 0.50% · 4.625%
HK$56,619
+HK$2,835/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$107,568/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$761,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,041
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$56,753
−HK$1,739/mo
Today · 4.125%
HK$58,492
baseline
▲ 0.50% · 4.625%
HK$62,051
+HK$3,559/mo
Deposit HK$8.05M · loan HK$12.07M · min. income ≈ HK$116,984/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$761,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,232
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,874
−HK$1,666/mo
Today · 4.125%
HK$64,540
baseline
▲ 0.50% · 4.625%
HK$67,942
+HK$3,402/mo
Deposit HK$8.05M · loan HK$12.07M · min. income ≈ HK$129,080/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$761,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,214
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$66,212
−HK$2,029/mo
Today · 4.125%
HK$68,241
baseline
▲ 0.50% · 4.625%
HK$72,393
+HK$4,152/mo
Deposit HK$6.03M · loan HK$14.08M · min. income ≈ HK$136,482/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$761,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,438
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,353
−HK$1,944/mo
Today · 4.125%
HK$75,297
baseline
▲ 0.50% · 4.625%
HK$79,266
+HK$3,969/mo
Deposit HK$6.03M · loan HK$14.08M · min. income ≈ HK$150,594/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$761,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,561
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$85,129
−HK$2,609/mo
Today · 4.125%
HK$87,738
baseline
▲ 0.50% · 4.625%
HK$93,077
+HK$5,339/mo
Deposit HK$2.01M · loan HK$18.10M · min. income ≈ HK$175,476/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$761,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,848
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$94,312
−HK$2,499/mo
Today · 4.125%
HK$96,811
baseline
▲ 0.50% · 4.625%
HK$101,914
+HK$5,103/mo
Deposit HK$2.01M · loan HK$18.10M · min. income ≈ HK$193,622/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$761,494 · Scale 2, in force from 26 Feb 2026)