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$45,892
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,319
−HK$1,450/mo
Today · 4.125%
HK$48,769
baseline
▲ 0.50% · 4.625%
HK$51,737
+HK$2,968/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$762,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,054
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,423
−HK$1,389/mo
Today · 4.125%
HK$53,812
baseline
▲ 0.50% · 4.625%
HK$56,649
+HK$2,837/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$107,624/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$762,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,070
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,783
−HK$1,740/mo
Today · 4.125%
HK$58,523
baseline
▲ 0.50% · 4.625%
HK$62,084
+HK$3,561/mo
Deposit HK$8.05M · loan HK$12.08M · min. income ≈ HK$117,046/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$762,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,265
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,908
−HK$1,667/mo
Today · 4.125%
HK$64,575
baseline
▲ 0.50% · 4.625%
HK$67,979
+HK$3,404/mo
Deposit HK$8.05M · loan HK$12.08M · min. income ≈ HK$129,150/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$762,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,248
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$66,247
−HK$2,030/mo
Today · 4.125%
HK$68,277
baseline
▲ 0.50% · 4.625%
HK$72,432
+HK$4,155/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$136,554/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$762,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,476
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$73,392
−HK$1,945/mo
Today · 4.125%
HK$75,337
baseline
▲ 0.50% · 4.625%
HK$79,308
+HK$3,971/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$150,674/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$762,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,605
−HK$5,180/mo
▼ 0.25% · 3.875%
HK$85,174
−HK$2,611/mo
Today · 4.125%
HK$87,785
baseline
▲ 0.50% · 4.625%
HK$93,126
+HK$5,341/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$175,570/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$762,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,897
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$94,362
−HK$2,500/mo
Today · 4.125%
HK$96,862
baseline
▲ 0.50% · 4.625%
HK$101,968
+HK$5,106/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$193,724/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$762,564 · Scale 2, in force from 26 Feb 2026)