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$45,752
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$47,175
−HK$1,446/mo
Today · 4.125%
HK$48,621
baseline
▲ 0.50% · 4.625%
HK$51,579
+HK$2,958/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$97,242/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$756,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,898
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,263
−HK$1,385/mo
Today · 4.125%
HK$53,648
baseline
▲ 0.50% · 4.625%
HK$56,476
+HK$2,828/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$107,296/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$756,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,902
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,610
−HK$1,735/mo
Today · 4.125%
HK$58,345
baseline
▲ 0.50% · 4.625%
HK$61,895
+HK$3,550/mo
Deposit HK$8.03M · loan HK$12.04M · min. income ≈ HK$116,690/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$756,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,078
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,716
−HK$1,662/mo
Today · 4.125%
HK$64,378
baseline
▲ 0.50% · 4.625%
HK$67,771
+HK$3,393/mo
Deposit HK$8.03M · loan HK$12.04M · min. income ≈ HK$128,756/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$756,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,053
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$66,045
−HK$2,024/mo
Today · 4.125%
HK$68,069
baseline
▲ 0.50% · 4.625%
HK$72,211
+HK$4,142/mo
Deposit HK$6.02M · loan HK$14.05M · min. income ≈ HK$136,138/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$756,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,258
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$73,169
−HK$1,939/mo
Today · 4.125%
HK$75,108
baseline
▲ 0.50% · 4.625%
HK$79,067
+HK$3,959/mo
Deposit HK$6.02M · loan HK$14.05M · min. income ≈ HK$150,216/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$756,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,353
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$84,915
−HK$2,603/mo
Today · 4.125%
HK$87,518
baseline
▲ 0.50% · 4.625%
HK$92,843
+HK$5,325/mo
Deposit HK$2.01M · loan HK$18.06M · min. income ≈ HK$175,036/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$756,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,617
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$94,074
−HK$2,493/mo
Today · 4.125%
HK$96,567
baseline
▲ 0.50% · 4.625%
HK$101,657
+HK$5,090/mo
Deposit HK$2.01M · loan HK$18.06M · min. income ≈ HK$193,134/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$756,433 · Scale 2, in force from 26 Feb 2026)