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$45,989
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,419
−HK$1,454/mo
Today · 4.125%
HK$48,873
baseline
▲ 0.50% · 4.625%
HK$51,847
+HK$2,974/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$97,746/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$766,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,162
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,534
−HK$1,392/mo
Today · 4.125%
HK$53,926
baseline
▲ 0.50% · 4.625%
HK$56,769
+HK$2,843/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$107,852/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$766,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,187
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,903
−HK$1,744/mo
Today · 4.125%
HK$58,647
baseline
▲ 0.50% · 4.625%
HK$62,216
+HK$3,569/mo
Deposit HK$8.07M · loan HK$12.10M · min. income ≈ HK$117,294/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$766,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,395
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,041
−HK$1,671/mo
Today · 4.125%
HK$64,712
baseline
▲ 0.50% · 4.625%
HK$68,123
+HK$3,411/mo
Deposit HK$8.07M · loan HK$12.10M · min. income ≈ HK$129,424/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$766,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,384
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$66,387
−HK$2,035/mo
Today · 4.125%
HK$68,422
baseline
▲ 0.50% · 4.625%
HK$72,585
+HK$4,163/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$136,844/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$766,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,627
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$73,548
−HK$1,949/mo
Today · 4.125%
HK$75,497
baseline
▲ 0.50% · 4.625%
HK$79,476
+HK$3,979/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$150,994/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$766,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,780
−HK$5,191/mo
▼ 0.25% · 3.875%
HK$85,355
−HK$2,616/mo
Today · 4.125%
HK$87,971
baseline
▲ 0.50% · 4.625%
HK$93,324
+HK$5,353/mo
Deposit HK$2.02M · loan HK$18.15M · min. income ≈ HK$175,942/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$766,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,092
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$94,562
−HK$2,505/mo
Today · 4.125%
HK$97,067
baseline
▲ 0.50% · 4.625%
HK$102,184
+HK$5,117/mo
Deposit HK$2.02M · loan HK$18.15M · min. income ≈ HK$194,134/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$766,830 · Scale 2, in force from 26 Feb 2026)