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$45,857
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,283
−HK$1,449/mo
Today · 4.125%
HK$48,732
baseline
▲ 0.50% · 4.625%
HK$51,697
+HK$2,965/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$97,464/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$761,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,015
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,383
−HK$1,388/mo
Today · 4.125%
HK$53,771
baseline
▲ 0.50% · 4.625%
HK$56,605
+HK$2,834/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$107,542/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$761,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,028
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$56,740
−HK$1,739/mo
Today · 4.125%
HK$58,479
baseline
▲ 0.50% · 4.625%
HK$62,037
+HK$3,558/mo
Deposit HK$8.04M · loan HK$12.07M · min. income ≈ HK$116,958/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$761,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,218
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$62,860
−HK$1,665/mo
Today · 4.125%
HK$64,525
baseline
▲ 0.50% · 4.625%
HK$67,927
+HK$3,402/mo
Deposit HK$8.04M · loan HK$12.07M · min. income ≈ HK$129,050/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$761,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,199
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$66,196
−HK$2,029/mo
Today · 4.125%
HK$68,225
baseline
▲ 0.50% · 4.625%
HK$72,376
+HK$4,151/mo
Deposit HK$6.03M · loan HK$14.08M · min. income ≈ HK$136,450/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$761,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,421
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,336
−HK$1,944/mo
Today · 4.125%
HK$75,280
baseline
▲ 0.50% · 4.625%
HK$79,248
+HK$3,968/mo
Deposit HK$6.03M · loan HK$14.08M · min. income ≈ HK$150,560/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$761,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,542
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$85,109
−HK$2,609/mo
Today · 4.125%
HK$87,718
baseline
▲ 0.50% · 4.625%
HK$93,055
+HK$5,337/mo
Deposit HK$2.01M · loan HK$18.10M · min. income ≈ HK$175,436/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$761,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,827
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$94,290
−HK$2,498/mo
Today · 4.125%
HK$96,788
baseline
▲ 0.50% · 4.625%
HK$101,890
+HK$5,102/mo
Deposit HK$2.01M · loan HK$18.10M · min. income ≈ HK$193,576/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$761,025 · Scale 2, in force from 26 Feb 2026)