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$45,884
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,311
−HK$1,450/mo
Today · 4.125%
HK$48,761
baseline
▲ 0.50% · 4.625%
HK$51,728
+HK$2,967/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$97,522/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$762,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,045
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,414
−HK$1,389/mo
Today · 4.125%
HK$53,803
baseline
▲ 0.50% · 4.625%
HK$56,639
+HK$2,836/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$107,606/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$762,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,060
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,773
−HK$1,740/mo
Today · 4.125%
HK$58,513
baseline
▲ 0.50% · 4.625%
HK$62,074
+HK$3,561/mo
Deposit HK$8.05M · loan HK$12.07M · min. income ≈ HK$117,026/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$762,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,254
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,897
−HK$1,666/mo
Today · 4.125%
HK$64,563
baseline
▲ 0.50% · 4.625%
HK$67,967
+HK$3,404/mo
Deposit HK$8.05M · loan HK$12.07M · min. income ≈ HK$129,126/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$762,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,237
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$66,235
−HK$2,030/mo
Today · 4.125%
HK$68,265
baseline
▲ 0.50% · 4.625%
HK$72,419
+HK$4,154/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$136,530/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$762,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,463
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$73,380
−HK$1,944/mo
Today · 4.125%
HK$75,324
baseline
▲ 0.50% · 4.625%
HK$79,294
+HK$3,970/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$150,648/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$762,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,591
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$85,160
−HK$2,610/mo
Today · 4.125%
HK$87,770
baseline
▲ 0.50% · 4.625%
HK$93,110
+HK$5,340/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$175,540/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$762,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,881
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$94,345
−HK$2,500/mo
Today · 4.125%
HK$96,845
baseline
▲ 0.50% · 4.625%
HK$101,950
+HK$5,105/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$193,690/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$762,215 · Scale 2, in force from 26 Feb 2026)