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$45,889
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,316
−HK$1,451/mo
Today · 4.125%
HK$48,767
baseline
▲ 0.50% · 4.625%
HK$51,734
+HK$2,967/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$97,534/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$762,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,051
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,420
−HK$1,389/mo
Today · 4.125%
HK$53,809
baseline
▲ 0.50% · 4.625%
HK$56,646
+HK$2,837/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$107,618/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$762,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,067
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,780
−HK$1,740/mo
Today · 4.125%
HK$58,520
baseline
▲ 0.50% · 4.625%
HK$62,081
+HK$3,561/mo
Deposit HK$8.05M · loan HK$12.07M · min. income ≈ HK$117,040/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$762,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,261
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,904
−HK$1,667/mo
Today · 4.125%
HK$64,571
baseline
▲ 0.50% · 4.625%
HK$67,975
+HK$3,404/mo
Deposit HK$8.05M · loan HK$12.07M · min. income ≈ HK$129,142/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$762,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,245
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$66,243
−HK$2,030/mo
Today · 4.125%
HK$68,273
baseline
▲ 0.50% · 4.625%
HK$72,428
+HK$4,155/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$136,546/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$762,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,472
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$73,388
−HK$1,945/mo
Today · 4.125%
HK$75,333
baseline
▲ 0.50% · 4.625%
HK$79,304
+HK$3,971/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$150,666/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$762,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,600
−HK$5,180/mo
▼ 0.25% · 3.875%
HK$85,170
−HK$2,610/mo
Today · 4.125%
HK$87,780
baseline
▲ 0.50% · 4.625%
HK$93,121
+HK$5,341/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$175,560/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$762,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,892
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$94,356
−HK$2,501/mo
Today · 4.125%
HK$96,857
baseline
▲ 0.50% · 4.625%
HK$101,962
+HK$5,105/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$193,714/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$762,451 · Scale 2, in force from 26 Feb 2026)