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$45,917
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,345
−HK$1,451/mo
Today · 4.125%
HK$48,796
baseline
▲ 0.50% · 4.625%
HK$51,765
+HK$2,969/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$97,592/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$763,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,082
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$52,452
−HK$1,390/mo
Today · 4.125%
HK$53,842
baseline
▲ 0.50% · 4.625%
HK$56,680
+HK$2,838/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$107,684/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$763,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,100
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,814
−HK$1,741/mo
Today · 4.125%
HK$58,555
baseline
▲ 0.50% · 4.625%
HK$62,118
+HK$3,563/mo
Deposit HK$8.05M · loan HK$12.08M · min. income ≈ HK$117,110/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$763,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,298
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,942
−HK$1,668/mo
Today · 4.125%
HK$64,610
baseline
▲ 0.50% · 4.625%
HK$68,016
+HK$3,406/mo
Deposit HK$8.05M · loan HK$12.08M · min. income ≈ HK$129,220/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$763,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,283
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$66,283
−HK$2,031/mo
Today · 4.125%
HK$68,314
baseline
▲ 0.50% · 4.625%
HK$72,471
+HK$4,157/mo
Deposit HK$6.04M · loan HK$14.10M · min. income ≈ HK$136,628/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$763,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,515
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$73,433
−HK$1,945/mo
Today · 4.125%
HK$75,378
baseline
▲ 0.50% · 4.625%
HK$79,352
+HK$3,974/mo
Deposit HK$6.04M · loan HK$14.10M · min. income ≈ HK$150,756/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$763,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,650
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$85,221
−HK$2,612/mo
Today · 4.125%
HK$87,833
baseline
▲ 0.50% · 4.625%
HK$93,177
+HK$5,344/mo
Deposit HK$2.01M · loan HK$18.12M · min. income ≈ HK$175,666/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$763,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,947
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$94,413
−HK$2,502/mo
Today · 4.125%
HK$96,915
baseline
▲ 0.50% · 4.625%
HK$102,023
+HK$5,108/mo
Deposit HK$2.01M · loan HK$18.12M · min. income ≈ HK$193,830/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$763,662 · Scale 2, in force from 26 Feb 2026)