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$45,965
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$47,394
−HK$1,453/mo
Today · 4.125%
HK$48,847
baseline
▲ 0.50% · 4.625%
HK$51,819
+HK$2,972/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$97,694/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$765,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,135
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,507
−HK$1,391/mo
Today · 4.125%
HK$53,898
baseline
▲ 0.50% · 4.625%
HK$56,739
+HK$2,841/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$107,796/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$765,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,157
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,873
−HK$1,743/mo
Today · 4.125%
HK$58,616
baseline
▲ 0.50% · 4.625%
HK$62,183
+HK$3,567/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$117,232/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$765,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,362
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$63,008
−HK$1,669/mo
Today · 4.125%
HK$64,677
baseline
▲ 0.50% · 4.625%
HK$68,087
+HK$3,410/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$129,354/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$765,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,350
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$66,352
−HK$2,034/mo
Today · 4.125%
HK$68,386
baseline
▲ 0.50% · 4.625%
HK$72,547
+HK$4,161/mo
Deposit HK$6.05M · loan HK$14.11M · min. income ≈ HK$136,772/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$765,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,589
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$73,509
−HK$1,948/mo
Today · 4.125%
HK$75,457
baseline
▲ 0.50% · 4.625%
HK$79,434
+HK$3,977/mo
Deposit HK$6.05M · loan HK$14.11M · min. income ≈ HK$150,914/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$765,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,736
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$85,310
−HK$2,614/mo
Today · 4.125%
HK$87,924
baseline
▲ 0.50% · 4.625%
HK$93,274
+HK$5,350/mo
Deposit HK$2.02M · loan HK$18.14M · min. income ≈ HK$175,848/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$765,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,043
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$94,512
−HK$2,504/mo
Today · 4.125%
HK$97,016
baseline
▲ 0.50% · 4.625%
HK$102,130
+HK$5,114/mo
Deposit HK$2.02M · loan HK$18.14M · min. income ≈ HK$194,032/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$765,762 · Scale 2, in force from 26 Feb 2026)