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$45,891
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,318
−HK$1,451/mo
Today · 4.125%
HK$48,769
baseline
▲ 0.50% · 4.625%
HK$51,736
+HK$2,967/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$97,538/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$762,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,053
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,422
−HK$1,389/mo
Today · 4.125%
HK$53,811
baseline
▲ 0.50% · 4.625%
HK$56,648
+HK$2,837/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$107,622/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$762,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,069
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,782
−HK$1,740/mo
Today · 4.125%
HK$58,522
baseline
▲ 0.50% · 4.625%
HK$62,083
+HK$3,561/mo
Deposit HK$8.05M · loan HK$12.08M · min. income ≈ HK$117,044/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$762,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,264
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,907
−HK$1,667/mo
Today · 4.125%
HK$64,574
baseline
▲ 0.50% · 4.625%
HK$67,977
+HK$3,403/mo
Deposit HK$8.05M · loan HK$12.08M · min. income ≈ HK$129,148/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$762,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,247
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$66,246
−HK$2,030/mo
Today · 4.125%
HK$68,276
baseline
▲ 0.50% · 4.625%
HK$72,430
+HK$4,154/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$136,552/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$762,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,474
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$73,391
−HK$1,945/mo
Today · 4.125%
HK$75,336
baseline
▲ 0.50% · 4.625%
HK$79,307
+HK$3,971/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$150,672/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$762,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,604
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$85,173
−HK$2,610/mo
Today · 4.125%
HK$87,783
baseline
▲ 0.50% · 4.625%
HK$93,125
+HK$5,342/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$175,566/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$762,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,896
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$94,360
−HK$2,500/mo
Today · 4.125%
HK$96,860
baseline
▲ 0.50% · 4.625%
HK$101,966
+HK$5,106/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$193,720/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$762,530 · Scale 2, in force from 26 Feb 2026)