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$45,992
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,423
−HK$1,453/mo
Today · 4.125%
HK$48,876
baseline
▲ 0.50% · 4.625%
HK$51,850
+HK$2,974/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$97,752/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$766,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,166
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,538
−HK$1,392/mo
Today · 4.125%
HK$53,930
baseline
▲ 0.50% · 4.625%
HK$56,773
+HK$2,843/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$107,860/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$766,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,191
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$56,907
−HK$1,745/mo
Today · 4.125%
HK$58,652
baseline
▲ 0.50% · 4.625%
HK$62,220
+HK$3,568/mo
Deposit HK$8.07M · loan HK$12.10M · min. income ≈ HK$117,304/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$766,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,399
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,046
−HK$1,670/mo
Today · 4.125%
HK$64,716
baseline
▲ 0.50% · 4.625%
HK$68,127
+HK$3,411/mo
Deposit HK$8.07M · loan HK$12.10M · min. income ≈ HK$129,432/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$766,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,389
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$66,392
−HK$2,035/mo
Today · 4.125%
HK$68,427
baseline
▲ 0.50% · 4.625%
HK$72,590
+HK$4,163/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$136,854/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$766,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,632
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$73,553
−HK$1,949/mo
Today · 4.125%
HK$75,502
baseline
▲ 0.50% · 4.625%
HK$79,482
+HK$3,980/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$151,004/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$766,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,786
−HK$5,191/mo
▼ 0.25% · 3.875%
HK$85,361
−HK$2,616/mo
Today · 4.125%
HK$87,977
baseline
▲ 0.50% · 4.625%
HK$93,331
+HK$5,354/mo
Deposit HK$2.02M · loan HK$18.15M · min. income ≈ HK$175,954/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$766,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,098
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$94,569
−HK$2,505/mo
Today · 4.125%
HK$97,074
baseline
▲ 0.50% · 4.625%
HK$102,191
+HK$5,117/mo
Deposit HK$2.02M · loan HK$18.15M · min. income ≈ HK$194,148/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$766,974 · Scale 2, in force from 26 Feb 2026)