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$45,892
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,320
−HK$1,450/mo
Today · 4.125%
HK$48,770
baseline
▲ 0.50% · 4.625%
HK$51,738
+HK$2,968/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$97,540/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$762,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,055
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,424
−HK$1,389/mo
Today · 4.125%
HK$53,813
baseline
▲ 0.50% · 4.625%
HK$56,650
+HK$2,837/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$107,626/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$762,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,071
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,784
−HK$1,740/mo
Today · 4.125%
HK$58,524
baseline
▲ 0.50% · 4.625%
HK$62,085
+HK$3,561/mo
Deposit HK$8.05M · loan HK$12.08M · min. income ≈ HK$117,048/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$762,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,266
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,909
−HK$1,667/mo
Today · 4.125%
HK$64,576
baseline
▲ 0.50% · 4.625%
HK$67,980
+HK$3,404/mo
Deposit HK$8.05M · loan HK$12.08M · min. income ≈ HK$129,152/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$762,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,249
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$66,248
−HK$2,030/mo
Today · 4.125%
HK$68,278
baseline
▲ 0.50% · 4.625%
HK$72,433
+HK$4,155/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$136,556/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$762,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,477
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$73,394
−HK$1,945/mo
Today · 4.125%
HK$75,339
baseline
▲ 0.50% · 4.625%
HK$79,310
+HK$3,971/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$150,678/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$762,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,606
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$85,176
−HK$2,611/mo
Today · 4.125%
HK$87,787
baseline
▲ 0.50% · 4.625%
HK$93,128
+HK$5,341/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$175,574/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$762,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,899
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$94,364
−HK$2,500/mo
Today · 4.125%
HK$96,864
baseline
▲ 0.50% · 4.625%
HK$101,970
+HK$5,106/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$193,728/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$762,602 · Scale 2, in force from 26 Feb 2026)