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$45,866
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$47,293
−HK$1,449/mo
Today · 4.125%
HK$48,742
baseline
▲ 0.50% · 4.625%
HK$51,708
+HK$2,966/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$97,484/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$761,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,026
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,394
−HK$1,388/mo
Today · 4.125%
HK$53,782
baseline
▲ 0.50% · 4.625%
HK$56,617
+HK$2,835/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$107,564/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$761,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,039
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,751
−HK$1,740/mo
Today · 4.125%
HK$58,491
baseline
▲ 0.50% · 4.625%
HK$62,050
+HK$3,559/mo
Deposit HK$8.05M · loan HK$12.07M · min. income ≈ HK$116,982/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$761,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,231
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,873
−HK$1,666/mo
Today · 4.125%
HK$64,539
baseline
▲ 0.50% · 4.625%
HK$67,941
+HK$3,402/mo
Deposit HK$8.05M · loan HK$12.07M · min. income ≈ HK$129,078/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$761,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,213
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$66,210
−HK$2,029/mo
Today · 4.125%
HK$68,239
baseline
▲ 0.50% · 4.625%
HK$72,391
+HK$4,152/mo
Deposit HK$6.03M · loan HK$14.08M · min. income ≈ HK$136,478/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$761,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,436
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,352
−HK$1,943/mo
Today · 4.125%
HK$75,295
baseline
▲ 0.50% · 4.625%
HK$79,264
+HK$3,969/mo
Deposit HK$6.03M · loan HK$14.08M · min. income ≈ HK$150,590/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$761,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,559
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$85,127
−HK$2,609/mo
Today · 4.125%
HK$87,736
baseline
▲ 0.50% · 4.625%
HK$93,075
+HK$5,339/mo
Deposit HK$2.01M · loan HK$18.10M · min. income ≈ HK$175,472/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$761,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,846
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$94,309
−HK$2,499/mo
Today · 4.125%
HK$96,808
baseline
▲ 0.50% · 4.625%
HK$101,911
+HK$5,103/mo
Deposit HK$2.01M · loan HK$18.10M · min. income ≈ HK$193,616/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$761,446 · Scale 2, in force from 26 Feb 2026)