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$45,859
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$47,286
−HK$1,449/mo
Today · 4.125%
HK$48,735
baseline
▲ 0.50% · 4.625%
HK$51,701
+HK$2,966/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$97,470/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$761,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,018
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,386
−HK$1,388/mo
Today · 4.125%
HK$53,774
baseline
▲ 0.50% · 4.625%
HK$56,609
+HK$2,835/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$107,548/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$761,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,031
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$56,743
−HK$1,739/mo
Today · 4.125%
HK$58,482
baseline
▲ 0.50% · 4.625%
HK$62,041
+HK$3,559/mo
Deposit HK$8.04M · loan HK$12.07M · min. income ≈ HK$116,964/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$761,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,222
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$62,864
−HK$1,665/mo
Today · 4.125%
HK$64,529
baseline
▲ 0.50% · 4.625%
HK$67,931
+HK$3,402/mo
Deposit HK$8.04M · loan HK$12.07M · min. income ≈ HK$129,058/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$761,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,203
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$66,200
−HK$2,029/mo
Today · 4.125%
HK$68,229
baseline
▲ 0.50% · 4.625%
HK$72,381
+HK$4,152/mo
Deposit HK$6.03M · loan HK$14.08M · min. income ≈ HK$136,458/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$761,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,425
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,341
−HK$1,943/mo
Today · 4.125%
HK$75,284
baseline
▲ 0.50% · 4.625%
HK$79,253
+HK$3,969/mo
Deposit HK$6.03M · loan HK$14.08M · min. income ≈ HK$150,568/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$761,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,547
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$85,115
−HK$2,608/mo
Today · 4.125%
HK$87,723
baseline
▲ 0.50% · 4.625%
HK$93,061
+HK$5,338/mo
Deposit HK$2.01M · loan HK$18.10M · min. income ≈ HK$175,446/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$761,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,833
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$94,296
−HK$2,498/mo
Today · 4.125%
HK$96,794
baseline
▲ 0.50% · 4.625%
HK$101,896
+HK$5,102/mo
Deposit HK$2.01M · loan HK$18.10M · min. income ≈ HK$193,588/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$761,151 · Scale 2, in force from 26 Feb 2026)