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$45,914
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,342
−HK$1,451/mo
Today · 4.125%
HK$48,793
baseline
▲ 0.50% · 4.625%
HK$51,762
+HK$2,969/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$97,586/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$763,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,079
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,449
−HK$1,389/mo
Today · 4.125%
HK$53,838
baseline
▲ 0.50% · 4.625%
HK$56,676
+HK$2,838/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$107,676/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$763,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,097
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,811
−HK$1,741/mo
Today · 4.125%
HK$58,552
baseline
▲ 0.50% · 4.625%
HK$62,114
+HK$3,562/mo
Deposit HK$8.05M · loan HK$12.08M · min. income ≈ HK$117,104/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$763,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,295
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$62,938
−HK$1,668/mo
Today · 4.125%
HK$64,606
baseline
▲ 0.50% · 4.625%
HK$68,012
+HK$3,406/mo
Deposit HK$8.05M · loan HK$12.08M · min. income ≈ HK$129,212/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$763,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,279
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$66,279
−HK$2,031/mo
Today · 4.125%
HK$68,310
baseline
▲ 0.50% · 4.625%
HK$72,467
+HK$4,157/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$136,620/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$763,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,510
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$73,428
−HK$1,946/mo
Today · 4.125%
HK$75,374
baseline
▲ 0.50% · 4.625%
HK$79,347
+HK$3,973/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$150,748/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$763,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,645
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$85,216
−HK$2,612/mo
Today · 4.125%
HK$87,828
baseline
▲ 0.50% · 4.625%
HK$93,172
+HK$5,344/mo
Deposit HK$2.01M · loan HK$18.12M · min. income ≈ HK$175,656/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$763,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,942
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$94,408
−HK$2,501/mo
Today · 4.125%
HK$96,909
baseline
▲ 0.50% · 4.625%
HK$102,017
+HK$5,108/mo
Deposit HK$2.01M · loan HK$18.12M · min. income ≈ HK$193,818/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$763,542 · Scale 2, in force from 26 Feb 2026)