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$45,961
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,391
−HK$1,453/mo
Today · 4.125%
HK$48,844
baseline
▲ 0.50% · 4.625%
HK$51,816
+HK$2,972/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$97,688/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$765,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,132
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,503
−HK$1,391/mo
Today · 4.125%
HK$53,894
baseline
▲ 0.50% · 4.625%
HK$56,735
+HK$2,841/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$107,788/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$765,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,154
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,869
−HK$1,743/mo
Today · 4.125%
HK$58,612
baseline
▲ 0.50% · 4.625%
HK$62,179
+HK$3,567/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$117,224/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$765,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,358
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$63,004
−HK$1,669/mo
Today · 4.125%
HK$64,673
baseline
▲ 0.50% · 4.625%
HK$68,082
+HK$3,409/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$129,346/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$765,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,346
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$66,348
−HK$2,033/mo
Today · 4.125%
HK$68,381
baseline
▲ 0.50% · 4.625%
HK$72,542
+HK$4,161/mo
Deposit HK$6.05M · loan HK$14.11M · min. income ≈ HK$136,762/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$765,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,584
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$73,504
−HK$1,948/mo
Today · 4.125%
HK$75,452
baseline
▲ 0.50% · 4.625%
HK$79,429
+HK$3,977/mo
Deposit HK$6.05M · loan HK$14.11M · min. income ≈ HK$150,904/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$765,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,731
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$85,304
−HK$2,614/mo
Today · 4.125%
HK$87,918
baseline
▲ 0.50% · 4.625%
HK$93,268
+HK$5,350/mo
Deposit HK$2.02M · loan HK$18.14M · min. income ≈ HK$175,836/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$765,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,037
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$94,505
−HK$2,504/mo
Today · 4.125%
HK$97,009
baseline
▲ 0.50% · 4.625%
HK$102,123
+HK$5,114/mo
Deposit HK$2.02M · loan HK$18.14M · min. income ≈ HK$194,018/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$765,625 · Scale 2, in force from 26 Feb 2026)