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$45,960
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$47,389
−HK$1,453/mo
Today · 4.125%
HK$48,842
baseline
▲ 0.50% · 4.625%
HK$51,814
+HK$2,972/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$97,684/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$765,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,130
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,501
−HK$1,391/mo
Today · 4.125%
HK$53,892
baseline
▲ 0.50% · 4.625%
HK$56,733
+HK$2,841/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$107,784/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$765,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,152
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,867
−HK$1,743/mo
Today · 4.125%
HK$58,610
baseline
▲ 0.50% · 4.625%
HK$62,176
+HK$3,566/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$117,220/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$765,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,356
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$63,001
−HK$1,669/mo
Today · 4.125%
HK$64,670
baseline
▲ 0.50% · 4.625%
HK$68,079
+HK$3,409/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$129,340/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$765,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,343
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$66,345
−HK$2,033/mo
Today · 4.125%
HK$68,378
baseline
▲ 0.50% · 4.625%
HK$72,539
+HK$4,161/mo
Deposit HK$6.05M · loan HK$14.11M · min. income ≈ HK$136,756/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$765,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,581
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$73,501
−HK$1,948/mo
Today · 4.125%
HK$75,449
baseline
▲ 0.50% · 4.625%
HK$79,426
+HK$3,977/mo
Deposit HK$6.05M · loan HK$14.11M · min. income ≈ HK$150,898/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$765,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,727
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$85,301
−HK$2,614/mo
Today · 4.125%
HK$87,915
baseline
▲ 0.50% · 4.625%
HK$93,264
+HK$5,349/mo
Deposit HK$2.02M · loan HK$18.14M · min. income ≈ HK$175,830/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$765,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,033
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$94,502
−HK$2,504/mo
Today · 4.125%
HK$97,006
baseline
▲ 0.50% · 4.625%
HK$102,119
+HK$5,113/mo
Deposit HK$2.02M · loan HK$18.14M · min. income ≈ HK$194,012/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$765,545 · Scale 2, in force from 26 Feb 2026)