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$45,977
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,407
−HK$1,453/mo
Today · 4.125%
HK$48,860
baseline
▲ 0.50% · 4.625%
HK$51,833
+HK$2,973/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$97,720/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$766,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,149
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,521
−HK$1,392/mo
Today · 4.125%
HK$53,913
baseline
▲ 0.50% · 4.625%
HK$56,754
+HK$2,841/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$107,826/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$766,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,173
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,889
−HK$1,743/mo
Today · 4.125%
HK$58,632
baseline
▲ 0.50% · 4.625%
HK$62,200
+HK$3,568/mo
Deposit HK$8.07M · loan HK$12.10M · min. income ≈ HK$117,264/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$766,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,379
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,025
−HK$1,670/mo
Today · 4.125%
HK$64,695
baseline
▲ 0.50% · 4.625%
HK$68,105
+HK$3,410/mo
Deposit HK$8.07M · loan HK$12.10M · min. income ≈ HK$129,390/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$766,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,368
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$66,370
−HK$2,034/mo
Today · 4.125%
HK$68,404
baseline
▲ 0.50% · 4.625%
HK$72,567
+HK$4,163/mo
Deposit HK$6.05M · loan HK$14.11M · min. income ≈ HK$136,808/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$766,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,609
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$73,529
−HK$1,949/mo
Today · 4.125%
HK$75,478
baseline
▲ 0.50% · 4.625%
HK$79,456
+HK$3,978/mo
Deposit HK$6.05M · loan HK$14.11M · min. income ≈ HK$150,956/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$766,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,759
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$85,333
−HK$2,616/mo
Today · 4.125%
HK$87,949
baseline
▲ 0.50% · 4.625%
HK$93,300
+HK$5,351/mo
Deposit HK$2.02M · loan HK$18.15M · min. income ≈ HK$175,898/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$766,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,068
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$94,538
−HK$2,505/mo
Today · 4.125%
HK$97,043
baseline
▲ 0.50% · 4.625%
HK$102,158
+HK$5,115/mo
Deposit HK$2.02M · loan HK$18.15M · min. income ≈ HK$194,086/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$766,316 · Scale 2, in force from 26 Feb 2026)