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$45,990
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$47,421
−HK$1,453/mo
Today · 4.125%
HK$48,874
baseline
▲ 0.50% · 4.625%
HK$51,848
+HK$2,974/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$97,748/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$766,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,164
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,536
−HK$1,392/mo
Today · 4.125%
HK$53,928
baseline
▲ 0.50% · 4.625%
HK$56,771
+HK$2,843/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$107,856/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$766,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,189
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,905
−HK$1,744/mo
Today · 4.125%
HK$58,649
baseline
▲ 0.50% · 4.625%
HK$62,218
+HK$3,569/mo
Deposit HK$8.07M · loan HK$12.10M · min. income ≈ HK$117,298/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$766,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,397
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,043
−HK$1,671/mo
Today · 4.125%
HK$64,714
baseline
▲ 0.50% · 4.625%
HK$68,125
+HK$3,411/mo
Deposit HK$8.07M · loan HK$12.10M · min. income ≈ HK$129,428/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$766,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,387
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$66,389
−HK$2,035/mo
Today · 4.125%
HK$68,424
baseline
▲ 0.50% · 4.625%
HK$72,588
+HK$4,164/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$136,848/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$766,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,630
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$73,551
−HK$1,948/mo
Today · 4.125%
HK$75,499
baseline
▲ 0.50% · 4.625%
HK$79,479
+HK$3,980/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$150,998/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$766,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,783
−HK$5,191/mo
▼ 0.25% · 3.875%
HK$85,358
−HK$2,616/mo
Today · 4.125%
HK$87,974
baseline
▲ 0.50% · 4.625%
HK$93,327
+HK$5,353/mo
Deposit HK$2.02M · loan HK$18.15M · min. income ≈ HK$175,948/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$766,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,095
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$94,565
−HK$2,506/mo
Today · 4.125%
HK$97,071
baseline
▲ 0.50% · 4.625%
HK$102,187
+HK$5,116/mo
Deposit HK$2.02M · loan HK$18.15M · min. income ≈ HK$194,142/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$766,899 · Scale 2, in force from 26 Feb 2026)