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$45,949
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,378
−HK$1,452/mo
Today · 4.125%
HK$48,830
baseline
▲ 0.50% · 4.625%
HK$51,801
+HK$2,971/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$97,660/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$765,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,117
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,488
−HK$1,391/mo
Today · 4.125%
HK$53,879
baseline
▲ 0.50% · 4.625%
HK$56,719
+HK$2,840/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$107,758/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$765,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,138
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,854
−HK$1,742/mo
Today · 4.125%
HK$58,596
baseline
▲ 0.50% · 4.625%
HK$62,162
+HK$3,566/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$117,192/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$765,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,341
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$62,986
−HK$1,669/mo
Today · 4.125%
HK$64,655
baseline
▲ 0.50% · 4.625%
HK$68,063
+HK$3,408/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$129,310/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$765,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,328
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$66,329
−HK$2,033/mo
Today · 4.125%
HK$68,362
baseline
▲ 0.50% · 4.625%
HK$72,522
+HK$4,160/mo
Deposit HK$6.05M · loan HK$14.11M · min. income ≈ HK$136,724/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$765,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,564
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$73,484
−HK$1,947/mo
Today · 4.125%
HK$75,431
baseline
▲ 0.50% · 4.625%
HK$79,407
+HK$3,976/mo
Deposit HK$6.05M · loan HK$14.11M · min. income ≈ HK$150,862/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$765,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,708
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$85,280
−HK$2,614/mo
Today · 4.125%
HK$87,894
baseline
▲ 0.50% · 4.625%
HK$93,242
+HK$5,348/mo
Deposit HK$2.02M · loan HK$18.14M · min. income ≈ HK$175,788/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$765,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,011
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$94,479
−HK$2,504/mo
Today · 4.125%
HK$96,983
baseline
▲ 0.50% · 4.625%
HK$102,095
+HK$5,112/mo
Deposit HK$2.02M · loan HK$18.14M · min. income ≈ HK$193,966/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$765,068 · Scale 2, in force from 26 Feb 2026)