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$45,932
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,361
−HK$1,452/mo
Today · 4.125%
HK$48,813
baseline
▲ 0.50% · 4.625%
HK$51,783
+HK$2,970/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$97,626/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$764,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,099
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,470
−HK$1,390/mo
Today · 4.125%
HK$53,860
baseline
▲ 0.50% · 4.625%
HK$56,699
+HK$2,839/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$107,720/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$764,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,119
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,833
−HK$1,742/mo
Today · 4.125%
HK$58,575
baseline
▲ 0.50% · 4.625%
HK$62,139
+HK$3,564/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$117,150/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$764,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,319
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$62,964
−HK$1,668/mo
Today · 4.125%
HK$64,632
baseline
▲ 0.50% · 4.625%
HK$68,039
+HK$3,407/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$129,264/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$764,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,305
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$66,306
−HK$2,032/mo
Today · 4.125%
HK$68,338
baseline
▲ 0.50% · 4.625%
HK$72,496
+HK$4,158/mo
Deposit HK$6.04M · loan HK$14.10M · min. income ≈ HK$136,676/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$764,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,539
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$73,458
−HK$1,946/mo
Today · 4.125%
HK$75,404
baseline
▲ 0.50% · 4.625%
HK$79,379
+HK$3,975/mo
Deposit HK$6.04M · loan HK$14.10M · min. income ≈ HK$150,808/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$764,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,678
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$85,250
−HK$2,613/mo
Today · 4.125%
HK$87,863
baseline
▲ 0.50% · 4.625%
HK$93,209
+HK$5,346/mo
Deposit HK$2.01M · loan HK$18.13M · min. income ≈ HK$175,726/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$764,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,979
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$94,446
−HK$2,502/mo
Today · 4.125%
HK$96,948
baseline
▲ 0.50% · 4.625%
HK$102,058
+HK$5,110/mo
Deposit HK$2.01M · loan HK$18.13M · min. income ≈ HK$193,896/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$764,353 · Scale 2, in force from 26 Feb 2026)