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$45,931
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$47,360
−HK$1,451/mo
Today · 4.125%
HK$48,811
baseline
▲ 0.50% · 4.625%
HK$51,781
+HK$2,970/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$97,622/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$764,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,098
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$52,468
−HK$1,390/mo
Today · 4.125%
HK$53,858
baseline
▲ 0.50% · 4.625%
HK$56,697
+HK$2,839/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$107,716/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$764,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,117
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,832
−HK$1,741/mo
Today · 4.125%
HK$58,573
baseline
▲ 0.50% · 4.625%
HK$62,138
+HK$3,565/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$117,146/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$764,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,317
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$62,962
−HK$1,668/mo
Today · 4.125%
HK$64,630
baseline
▲ 0.50% · 4.625%
HK$68,037
+HK$3,407/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$129,260/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$764,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,303
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$66,304
−HK$2,032/mo
Today · 4.125%
HK$68,336
baseline
▲ 0.50% · 4.625%
HK$72,494
+HK$4,158/mo
Deposit HK$6.04M · loan HK$14.10M · min. income ≈ HK$136,672/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$764,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,537
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$73,455
−HK$1,947/mo
Today · 4.125%
HK$75,402
baseline
▲ 0.50% · 4.625%
HK$79,376
+HK$3,974/mo
Deposit HK$6.04M · loan HK$14.10M · min. income ≈ HK$150,804/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$764,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,676
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$85,247
−HK$2,613/mo
Today · 4.125%
HK$87,860
baseline
▲ 0.50% · 4.625%
HK$93,206
+HK$5,346/mo
Deposit HK$2.01M · loan HK$18.13M · min. income ≈ HK$175,720/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$764,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,976
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$94,443
−HK$2,502/mo
Today · 4.125%
HK$96,945
baseline
▲ 0.50% · 4.625%
HK$102,055
+HK$5,110/mo
Deposit HK$2.01M · loan HK$18.13M · min. income ≈ HK$193,890/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$764,289 · Scale 2, in force from 26 Feb 2026)