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$45,890
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,317
−HK$1,450/mo
Today · 4.125%
HK$48,767
baseline
▲ 0.50% · 4.625%
HK$51,735
+HK$2,968/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$97,534/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$762,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,052
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,421
−HK$1,389/mo
Today · 4.125%
HK$53,810
baseline
▲ 0.50% · 4.625%
HK$56,646
+HK$2,836/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$107,620/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$762,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,068
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,780
−HK$1,741/mo
Today · 4.125%
HK$58,521
baseline
▲ 0.50% · 4.625%
HK$62,082
+HK$3,561/mo
Deposit HK$8.05M · loan HK$12.07M · min. income ≈ HK$117,042/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$762,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,262
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,905
−HK$1,667/mo
Today · 4.125%
HK$64,572
baseline
▲ 0.50% · 4.625%
HK$67,976
+HK$3,404/mo
Deposit HK$8.05M · loan HK$12.07M · min. income ≈ HK$129,144/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$762,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,245
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$66,244
−HK$2,030/mo
Today · 4.125%
HK$68,274
baseline
▲ 0.50% · 4.625%
HK$72,429
+HK$4,155/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$136,548/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$762,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,472
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$73,389
−HK$1,945/mo
Today · 4.125%
HK$75,334
baseline
▲ 0.50% · 4.625%
HK$79,305
+HK$3,971/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$150,668/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$762,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,601
−HK$5,180/mo
▼ 0.25% · 3.875%
HK$85,171
−HK$2,610/mo
Today · 4.125%
HK$87,781
baseline
▲ 0.50% · 4.625%
HK$93,122
+HK$5,341/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$175,562/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$762,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,893
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$94,358
−HK$2,500/mo
Today · 4.125%
HK$96,858
baseline
▲ 0.50% · 4.625%
HK$101,963
+HK$5,105/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$193,716/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$762,477 · Scale 2, in force from 26 Feb 2026)