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$45,801
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$47,225
−HK$1,448/mo
Today · 4.125%
HK$48,673
baseline
▲ 0.50% · 4.625%
HK$51,634
+HK$2,961/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$97,346/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$758,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,953
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,319
−HK$1,386/mo
Today · 4.125%
HK$53,705
baseline
▲ 0.50% · 4.625%
HK$56,536
+HK$2,831/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$107,410/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$758,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,961
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,670
−HK$1,737/mo
Today · 4.125%
HK$58,407
baseline
▲ 0.50% · 4.625%
HK$61,961
+HK$3,554/mo
Deposit HK$8.03M · loan HK$12.05M · min. income ≈ HK$116,814/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$758,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,143
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,783
−HK$1,664/mo
Today · 4.125%
HK$64,447
baseline
▲ 0.50% · 4.625%
HK$67,844
+HK$3,397/mo
Deposit HK$8.03M · loan HK$12.05M · min. income ≈ HK$128,894/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$758,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,121
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$66,115
−HK$2,027/mo
Today · 4.125%
HK$68,142
baseline
▲ 0.50% · 4.625%
HK$72,288
+HK$4,146/mo
Deposit HK$6.03M · loan HK$14.06M · min. income ≈ HK$136,284/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$758,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,334
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$73,247
−HK$1,941/mo
Today · 4.125%
HK$75,188
baseline
▲ 0.50% · 4.625%
HK$79,151
+HK$3,963/mo
Deposit HK$6.03M · loan HK$14.06M · min. income ≈ HK$150,376/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$758,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,441
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$85,005
−HK$2,606/mo
Today · 4.125%
HK$87,611
baseline
▲ 0.50% · 4.625%
HK$92,942
+HK$5,331/mo
Deposit HK$2.01M · loan HK$18.08M · min. income ≈ HK$175,222/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$758,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,715
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$94,174
−HK$2,496/mo
Today · 4.125%
HK$96,670
baseline
▲ 0.50% · 4.625%
HK$101,765
+HK$5,095/mo
Deposit HK$2.01M · loan HK$18.08M · min. income ≈ HK$193,340/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$758,569 · Scale 2, in force from 26 Feb 2026)