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$45,876
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,303
−HK$1,450/mo
Today · 4.125%
HK$48,753
baseline
▲ 0.50% · 4.625%
HK$51,719
+HK$2,966/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$97,506/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$761,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,037
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,406
−HK$1,388/mo
Today · 4.125%
HK$53,794
baseline
▲ 0.50% · 4.625%
HK$56,630
+HK$2,836/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$107,588/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$761,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,051
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,764
−HK$1,740/mo
Today · 4.125%
HK$58,504
baseline
▲ 0.50% · 4.625%
HK$62,063
+HK$3,559/mo
Deposit HK$8.05M · loan HK$12.07M · min. income ≈ HK$117,008/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$761,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,244
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,887
−HK$1,666/mo
Today · 4.125%
HK$64,553
baseline
▲ 0.50% · 4.625%
HK$67,956
+HK$3,403/mo
Deposit HK$8.05M · loan HK$12.07M · min. income ≈ HK$129,106/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$761,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,227
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$66,224
−HK$2,030/mo
Today · 4.125%
HK$68,254
baseline
▲ 0.50% · 4.625%
HK$72,407
+HK$4,153/mo
Deposit HK$6.04M · loan HK$14.08M · min. income ≈ HK$136,508/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$761,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,451
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$73,368
−HK$1,944/mo
Today · 4.125%
HK$75,312
baseline
▲ 0.50% · 4.625%
HK$79,282
+HK$3,970/mo
Deposit HK$6.04M · loan HK$14.08M · min. income ≈ HK$150,624/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$761,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,577
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$85,146
−HK$2,609/mo
Today · 4.125%
HK$87,755
baseline
▲ 0.50% · 4.625%
HK$93,095
+HK$5,340/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$175,510/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$761,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,866
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$94,330
−HK$2,499/mo
Today · 4.125%
HK$96,829
baseline
▲ 0.50% · 4.625%
HK$101,933
+HK$5,104/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$193,658/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$761,886 · Scale 2, in force from 26 Feb 2026)