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$45,784
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$47,208
−HK$1,447/mo
Today · 4.125%
HK$48,655
baseline
▲ 0.50% · 4.625%
HK$51,615
+HK$2,960/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$97,310/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$757,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,934
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,300
−HK$1,386/mo
Today · 4.125%
HK$53,686
baseline
▲ 0.50% · 4.625%
HK$56,515
+HK$2,829/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$107,372/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$757,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,940
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,649
−HK$1,737/mo
Today · 4.125%
HK$58,386
baseline
▲ 0.50% · 4.625%
HK$61,938
+HK$3,552/mo
Deposit HK$8.03M · loan HK$12.05M · min. income ≈ HK$116,772/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$757,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,121
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,760
−HK$1,663/mo
Today · 4.125%
HK$64,423
baseline
▲ 0.50% · 4.625%
HK$67,818
+HK$3,395/mo
Deposit HK$8.03M · loan HK$12.05M · min. income ≈ HK$128,846/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$757,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,097
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$66,091
−HK$2,025/mo
Today · 4.125%
HK$68,116
baseline
▲ 0.50% · 4.625%
HK$72,261
+HK$4,145/mo
Deposit HK$6.02M · loan HK$14.05M · min. income ≈ HK$136,232/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$757,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,307
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$73,220
−HK$1,940/mo
Today · 4.125%
HK$75,160
baseline
▲ 0.50% · 4.625%
HK$79,122
+HK$3,962/mo
Deposit HK$6.02M · loan HK$14.05M · min. income ≈ HK$150,320/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$757,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,410
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$84,974
−HK$2,604/mo
Today · 4.125%
HK$87,578
baseline
▲ 0.50% · 4.625%
HK$92,907
+HK$5,329/mo
Deposit HK$2.01M · loan HK$18.07M · min. income ≈ HK$175,156/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$757,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,681
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$94,140
−HK$2,494/mo
Today · 4.125%
HK$96,634
baseline
▲ 0.50% · 4.625%
HK$101,728
+HK$5,094/mo
Deposit HK$2.01M · loan HK$18.07M · min. income ≈ HK$193,268/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$757,826 · Scale 2, in force from 26 Feb 2026)