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$45,916
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,344
−HK$1,451/mo
Today · 4.125%
HK$48,795
baseline
▲ 0.50% · 4.625%
HK$51,764
+HK$2,969/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$97,590/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$763,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,081
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,451
−HK$1,389/mo
Today · 4.125%
HK$53,840
baseline
▲ 0.50% · 4.625%
HK$56,678
+HK$2,838/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$107,680/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$763,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,099
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,813
−HK$1,741/mo
Today · 4.125%
HK$58,554
baseline
▲ 0.50% · 4.625%
HK$62,117
+HK$3,563/mo
Deposit HK$8.05M · loan HK$12.08M · min. income ≈ HK$117,108/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$763,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,297
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$62,941
−HK$1,667/mo
Today · 4.125%
HK$64,608
baseline
▲ 0.50% · 4.625%
HK$68,014
+HK$3,406/mo
Deposit HK$8.05M · loan HK$12.08M · min. income ≈ HK$129,216/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$763,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,282
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$66,281
−HK$2,032/mo
Today · 4.125%
HK$68,313
baseline
▲ 0.50% · 4.625%
HK$72,470
+HK$4,157/mo
Deposit HK$6.04M · loan HK$14.10M · min. income ≈ HK$136,626/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$763,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,513
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$73,431
−HK$1,946/mo
Today · 4.125%
HK$75,377
baseline
▲ 0.50% · 4.625%
HK$79,350
+HK$3,973/mo
Deposit HK$6.04M · loan HK$14.10M · min. income ≈ HK$150,754/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$763,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,648
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$85,219
−HK$2,612/mo
Today · 4.125%
HK$87,831
baseline
▲ 0.50% · 4.625%
HK$93,175
+HK$5,344/mo
Deposit HK$2.01M · loan HK$18.12M · min. income ≈ HK$175,662/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$763,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,945
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$94,411
−HK$2,502/mo
Today · 4.125%
HK$96,913
baseline
▲ 0.50% · 4.625%
HK$102,021
+HK$5,108/mo
Deposit HK$2.01M · loan HK$18.12M · min. income ≈ HK$193,826/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$763,616 · Scale 2, in force from 26 Feb 2026)