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$45,903
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,331
−HK$1,450/mo
Today · 4.125%
HK$48,781
baseline
▲ 0.50% · 4.625%
HK$51,750
+HK$2,969/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$97,562/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$763,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,067
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,436
−HK$1,390/mo
Today · 4.125%
HK$53,826
baseline
▲ 0.50% · 4.625%
HK$56,663
+HK$2,837/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$107,652/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$763,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,084
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$56,797
−HK$1,741/mo
Today · 4.125%
HK$58,538
baseline
▲ 0.50% · 4.625%
HK$62,100
+HK$3,562/mo
Deposit HK$8.05M · loan HK$12.08M · min. income ≈ HK$117,076/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$763,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,280
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$62,923
−HK$1,668/mo
Today · 4.125%
HK$64,591
baseline
▲ 0.50% · 4.625%
HK$67,995
+HK$3,404/mo
Deposit HK$8.05M · loan HK$12.08M · min. income ≈ HK$129,182/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$763,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,264
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$66,263
−HK$2,031/mo
Today · 4.125%
HK$68,294
baseline
▲ 0.50% · 4.625%
HK$72,450
+HK$4,156/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$136,588/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$763,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,493
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$73,411
−HK$1,945/mo
Today · 4.125%
HK$75,356
baseline
▲ 0.50% · 4.625%
HK$79,328
+HK$3,972/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$150,712/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$763,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,625
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$85,195
−HK$2,612/mo
Today · 4.125%
HK$87,807
baseline
▲ 0.50% · 4.625%
HK$93,149
+HK$5,342/mo
Deposit HK$2.01M · loan HK$18.12M · min. income ≈ HK$175,614/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$763,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,920
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$94,385
−HK$2,501/mo
Today · 4.125%
HK$96,886
baseline
▲ 0.50% · 4.625%
HK$101,993
+HK$5,107/mo
Deposit HK$2.01M · loan HK$18.12M · min. income ≈ HK$193,772/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$763,062 · Scale 2, in force from 26 Feb 2026)