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$45,875
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,302
−HK$1,450/mo
Today · 4.125%
HK$48,752
baseline
▲ 0.50% · 4.625%
HK$51,719
+HK$2,967/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$97,504/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$761,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,036
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,405
−HK$1,388/mo
Today · 4.125%
HK$53,793
baseline
▲ 0.50% · 4.625%
HK$56,629
+HK$2,836/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$107,586/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$761,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,050
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,763
−HK$1,740/mo
Today · 4.125%
HK$58,503
baseline
▲ 0.50% · 4.625%
HK$62,062
+HK$3,559/mo
Deposit HK$8.05M · loan HK$12.07M · min. income ≈ HK$117,006/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$761,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,243
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,886
−HK$1,666/mo
Today · 4.125%
HK$64,552
baseline
▲ 0.50% · 4.625%
HK$67,954
+HK$3,402/mo
Deposit HK$8.05M · loan HK$12.07M · min. income ≈ HK$129,104/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$761,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,225
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$66,223
−HK$2,030/mo
Today · 4.125%
HK$68,253
baseline
▲ 0.50% · 4.625%
HK$72,406
+HK$4,153/mo
Deposit HK$6.04M · loan HK$14.08M · min. income ≈ HK$136,506/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$761,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,450
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$73,366
−HK$1,944/mo
Today · 4.125%
HK$75,310
baseline
▲ 0.50% · 4.625%
HK$79,280
+HK$3,970/mo
Deposit HK$6.04M · loan HK$14.08M · min. income ≈ HK$150,620/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$761,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,576
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$85,144
−HK$2,610/mo
Today · 4.125%
HK$87,754
baseline
▲ 0.50% · 4.625%
HK$93,093
+HK$5,339/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$175,508/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$761,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,865
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$94,328
−HK$2,500/mo
Today · 4.125%
HK$96,828
baseline
▲ 0.50% · 4.625%
HK$101,932
+HK$5,104/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$193,656/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$761,851 · Scale 2, in force from 26 Feb 2026)