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$45,946
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,375
−HK$1,452/mo
Today · 4.125%
HK$48,827
baseline
▲ 0.50% · 4.625%
HK$51,798
+HK$2,971/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$97,654/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$764,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,114
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,485
−HK$1,391/mo
Today · 4.125%
HK$53,876
baseline
▲ 0.50% · 4.625%
HK$56,715
+HK$2,839/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$107,752/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$764,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,135
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$56,850
−HK$1,742/mo
Today · 4.125%
HK$58,592
baseline
▲ 0.50% · 4.625%
HK$62,157
+HK$3,565/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$117,184/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$764,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,337
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$62,982
−HK$1,669/mo
Today · 4.125%
HK$64,651
baseline
▲ 0.50% · 4.625%
HK$68,058
+HK$3,407/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$129,302/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$764,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,324
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$66,325
−HK$2,032/mo
Today · 4.125%
HK$68,357
baseline
▲ 0.50% · 4.625%
HK$72,517
+HK$4,160/mo
Deposit HK$6.04M · loan HK$14.10M · min. income ≈ HK$136,714/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$764,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,560
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$73,479
−HK$1,947/mo
Today · 4.125%
HK$75,426
baseline
▲ 0.50% · 4.625%
HK$79,401
+HK$3,975/mo
Deposit HK$6.04M · loan HK$14.10M · min. income ≈ HK$150,852/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$764,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,702
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$85,275
−HK$2,613/mo
Today · 4.125%
HK$87,888
baseline
▲ 0.50% · 4.625%
HK$93,236
+HK$5,348/mo
Deposit HK$2.01M · loan HK$18.13M · min. income ≈ HK$175,776/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$764,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,005
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$94,473
−HK$2,503/mo
Today · 4.125%
HK$96,976
baseline
▲ 0.50% · 4.625%
HK$102,088
+HK$5,112/mo
Deposit HK$2.01M · loan HK$18.13M · min. income ≈ HK$193,952/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$764,930 · Scale 2, in force from 26 Feb 2026)