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$45,984
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,414
−HK$1,454/mo
Today · 4.125%
HK$48,868
baseline
▲ 0.50% · 4.625%
HK$51,841
+HK$2,973/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$97,736/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$766,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,157
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,529
−HK$1,391/mo
Today · 4.125%
HK$53,920
baseline
▲ 0.50% · 4.625%
HK$56,763
+HK$2,843/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$107,840/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$766,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,181
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,897
−HK$1,744/mo
Today · 4.125%
HK$58,641
baseline
▲ 0.50% · 4.625%
HK$62,209
+HK$3,568/mo
Deposit HK$8.07M · loan HK$12.10M · min. income ≈ HK$117,282/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$766,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,388
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,034
−HK$1,671/mo
Today · 4.125%
HK$64,705
baseline
▲ 0.50% · 4.625%
HK$68,115
+HK$3,410/mo
Deposit HK$8.07M · loan HK$12.10M · min. income ≈ HK$129,410/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$766,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,377
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$66,380
−HK$2,035/mo
Today · 4.125%
HK$68,415
baseline
▲ 0.50% · 4.625%
HK$72,577
+HK$4,162/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$136,830/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$766,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,619
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$73,540
−HK$1,949/mo
Today · 4.125%
HK$75,489
baseline
▲ 0.50% · 4.625%
HK$79,468
+HK$3,979/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$150,978/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$766,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,771
−HK$5,191/mo
▼ 0.25% · 3.875%
HK$85,346
−HK$2,616/mo
Today · 4.125%
HK$87,962
baseline
▲ 0.50% · 4.625%
HK$93,314
+HK$5,352/mo
Deposit HK$2.02M · loan HK$18.15M · min. income ≈ HK$175,924/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$766,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,082
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$94,552
−HK$2,505/mo
Today · 4.125%
HK$97,057
baseline
▲ 0.50% · 4.625%
HK$102,173
+HK$5,116/mo
Deposit HK$2.02M · loan HK$18.15M · min. income ≈ HK$194,114/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$766,612 · Scale 2, in force from 26 Feb 2026)