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$45,874
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,301
−HK$1,450/mo
Today · 4.125%
HK$48,751
baseline
▲ 0.50% · 4.625%
HK$51,717
+HK$2,966/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$97,502/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$761,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,034
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,403
−HK$1,388/mo
Today · 4.125%
HK$53,791
baseline
▲ 0.50% · 4.625%
HK$56,627
+HK$2,836/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$107,582/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$761,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,049
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,761
−HK$1,740/mo
Today · 4.125%
HK$58,501
baseline
▲ 0.50% · 4.625%
HK$62,060
+HK$3,559/mo
Deposit HK$8.05M · loan HK$12.07M · min. income ≈ HK$117,002/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$761,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,241
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,884
−HK$1,666/mo
Today · 4.125%
HK$64,550
baseline
▲ 0.50% · 4.625%
HK$67,952
+HK$3,402/mo
Deposit HK$8.05M · loan HK$12.07M · min. income ≈ HK$129,100/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$761,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,223
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$66,221
−HK$2,030/mo
Today · 4.125%
HK$68,251
baseline
▲ 0.50% · 4.625%
HK$72,404
+HK$4,153/mo
Deposit HK$6.04M · loan HK$14.08M · min. income ≈ HK$136,502/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$761,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,448
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$73,364
−HK$1,944/mo
Today · 4.125%
HK$75,308
baseline
▲ 0.50% · 4.625%
HK$79,278
+HK$3,970/mo
Deposit HK$6.04M · loan HK$14.08M · min. income ≈ HK$150,616/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$761,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,573
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$85,141
−HK$2,610/mo
Today · 4.125%
HK$87,751
baseline
▲ 0.50% · 4.625%
HK$93,090
+HK$5,339/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$175,502/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$761,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,862
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$94,325
−HK$2,500/mo
Today · 4.125%
HK$96,825
baseline
▲ 0.50% · 4.625%
HK$101,928
+HK$5,103/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$193,650/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$761,786 · Scale 2, in force from 26 Feb 2026)