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$45,886
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,313
−HK$1,450/mo
Today · 4.125%
HK$48,763
baseline
▲ 0.50% · 4.625%
HK$51,730
+HK$2,967/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$97,526/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$762,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,048
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,417
−HK$1,388/mo
Today · 4.125%
HK$53,805
baseline
▲ 0.50% · 4.625%
HK$56,642
+HK$2,837/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$107,610/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$762,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,063
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,776
−HK$1,740/mo
Today · 4.125%
HK$58,516
baseline
▲ 0.50% · 4.625%
HK$62,077
+HK$3,561/mo
Deposit HK$8.05M · loan HK$12.07M · min. income ≈ HK$117,032/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$762,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,257
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,900
−HK$1,667/mo
Today · 4.125%
HK$64,567
baseline
▲ 0.50% · 4.625%
HK$67,970
+HK$3,403/mo
Deposit HK$8.05M · loan HK$12.07M · min. income ≈ HK$129,134/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$762,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,240
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$66,238
−HK$2,031/mo
Today · 4.125%
HK$68,269
baseline
▲ 0.50% · 4.625%
HK$72,423
+HK$4,154/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$136,538/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$762,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,467
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$73,383
−HK$1,945/mo
Today · 4.125%
HK$75,328
baseline
▲ 0.50% · 4.625%
HK$79,298
+HK$3,970/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$150,656/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$762,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,595
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$85,164
−HK$2,610/mo
Today · 4.125%
HK$87,774
baseline
▲ 0.50% · 4.625%
HK$93,115
+HK$5,341/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$175,548/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$762,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,886
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$94,350
−HK$2,500/mo
Today · 4.125%
HK$96,850
baseline
▲ 0.50% · 4.625%
HK$101,955
+HK$5,105/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$193,700/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$762,311 · Scale 2, in force from 26 Feb 2026)