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$45,820
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,245
−HK$1,448/mo
Today · 4.125%
HK$48,693
baseline
▲ 0.50% · 4.625%
HK$51,656
+HK$2,963/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$97,386/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$759,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,974
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,341
−HK$1,387/mo
Today · 4.125%
HK$53,728
baseline
▲ 0.50% · 4.625%
HK$56,560
+HK$2,832/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$107,456/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$759,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,984
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$56,694
−HK$1,738/mo
Today · 4.125%
HK$58,432
baseline
▲ 0.50% · 4.625%
HK$61,987
+HK$3,555/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$116,864/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$759,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,169
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,809
−HK$1,665/mo
Today · 4.125%
HK$64,474
baseline
▲ 0.50% · 4.625%
HK$67,872
+HK$3,398/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$128,948/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$759,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,148
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$66,143
−HK$2,027/mo
Today · 4.125%
HK$68,170
baseline
▲ 0.50% · 4.625%
HK$72,318
+HK$4,148/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$136,340/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$759,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,364
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$73,278
−HK$1,941/mo
Today · 4.125%
HK$75,219
baseline
▲ 0.50% · 4.625%
HK$79,184
+HK$3,965/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$150,438/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$759,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,476
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$85,041
−HK$2,607/mo
Today · 4.125%
HK$87,648
baseline
▲ 0.50% · 4.625%
HK$92,981
+HK$5,333/mo
Deposit HK$2.01M · loan HK$18.08M · min. income ≈ HK$175,296/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$759,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,753
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$94,214
−HK$2,497/mo
Today · 4.125%
HK$96,711
baseline
▲ 0.50% · 4.625%
HK$101,808
+HK$5,097/mo
Deposit HK$2.01M · loan HK$18.08M · min. income ≈ HK$193,422/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$759,417 · Scale 2, in force from 26 Feb 2026)