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$45,928
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$47,356
−HK$1,452/mo
Today · 4.125%
HK$48,808
baseline
▲ 0.50% · 4.625%
HK$51,777
+HK$2,969/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$97,616/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$764,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,094
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$52,464
−HK$1,390/mo
Today · 4.125%
HK$53,854
baseline
▲ 0.50% · 4.625%
HK$56,693
+HK$2,839/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$107,708/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$764,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,113
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,827
−HK$1,742/mo
Today · 4.125%
HK$58,569
baseline
▲ 0.50% · 4.625%
HK$62,133
+HK$3,564/mo
Deposit HK$8.06M · loan HK$12.08M · min. income ≈ HK$117,138/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$764,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,313
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,957
−HK$1,668/mo
Today · 4.125%
HK$64,625
baseline
▲ 0.50% · 4.625%
HK$68,032
+HK$3,407/mo
Deposit HK$8.06M · loan HK$12.08M · min. income ≈ HK$129,250/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$764,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,299
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$66,299
−HK$2,032/mo
Today · 4.125%
HK$68,331
baseline
▲ 0.50% · 4.625%
HK$72,488
+HK$4,157/mo
Deposit HK$6.04M · loan HK$14.10M · min. income ≈ HK$136,662/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$764,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,532
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$73,450
−HK$1,946/mo
Today · 4.125%
HK$75,396
baseline
▲ 0.50% · 4.625%
HK$79,370
+HK$3,974/mo
Deposit HK$6.04M · loan HK$14.10M · min. income ≈ HK$150,792/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$764,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,670
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$85,241
−HK$2,613/mo
Today · 4.125%
HK$87,854
baseline
▲ 0.50% · 4.625%
HK$93,199
+HK$5,345/mo
Deposit HK$2.01M · loan HK$18.13M · min. income ≈ HK$175,708/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$764,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,969
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$94,436
−HK$2,502/mo
Today · 4.125%
HK$96,938
baseline
▲ 0.50% · 4.625%
HK$102,048
+HK$5,110/mo
Deposit HK$2.01M · loan HK$18.13M · min. income ≈ HK$193,876/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$764,142 · Scale 2, in force from 26 Feb 2026)