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$45,904
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,332
−HK$1,451/mo
Today · 4.125%
HK$48,783
baseline
▲ 0.50% · 4.625%
HK$51,751
+HK$2,968/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$97,566/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$763,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,068
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,438
−HK$1,389/mo
Today · 4.125%
HK$53,827
baseline
▲ 0.50% · 4.625%
HK$56,665
+HK$2,838/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$107,654/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$763,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,085
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,799
−HK$1,741/mo
Today · 4.125%
HK$58,540
baseline
▲ 0.50% · 4.625%
HK$62,102
+HK$3,562/mo
Deposit HK$8.05M · loan HK$12.08M · min. income ≈ HK$117,080/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$763,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,282
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$62,925
−HK$1,668/mo
Today · 4.125%
HK$64,593
baseline
▲ 0.50% · 4.625%
HK$67,997
+HK$3,404/mo
Deposit HK$8.05M · loan HK$12.08M · min. income ≈ HK$129,186/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$763,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,266
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$66,265
−HK$2,031/mo
Today · 4.125%
HK$68,296
baseline
▲ 0.50% · 4.625%
HK$72,452
+HK$4,156/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$136,592/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$763,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,495
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$73,413
−HK$1,945/mo
Today · 4.125%
HK$75,358
baseline
▲ 0.50% · 4.625%
HK$79,330
+HK$3,972/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$150,716/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$763,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,628
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$85,198
−HK$2,611/mo
Today · 4.125%
HK$87,809
baseline
▲ 0.50% · 4.625%
HK$93,152
+HK$5,343/mo
Deposit HK$2.01M · loan HK$18.12M · min. income ≈ HK$175,618/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$763,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,923
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$94,388
−HK$2,501/mo
Today · 4.125%
HK$96,889
baseline
▲ 0.50% · 4.625%
HK$101,996
+HK$5,107/mo
Deposit HK$2.01M · loan HK$18.12M · min. income ≈ HK$193,778/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$763,125 · Scale 2, in force from 26 Feb 2026)