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$45,715
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,137
−HK$1,445/mo
Today · 4.125%
HK$48,582
baseline
▲ 0.50% · 4.625%
HK$51,538
+HK$2,956/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$97,164/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$754,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,857
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,221
−HK$1,384/mo
Today · 4.125%
HK$53,605
baseline
▲ 0.50% · 4.625%
HK$56,431
+HK$2,826/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$107,210/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$754,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,858
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,564
−HK$1,734/mo
Today · 4.125%
HK$58,298
baseline
▲ 0.50% · 4.625%
HK$61,845
+HK$3,547/mo
Deposit HK$8.02M · loan HK$12.03M · min. income ≈ HK$116,596/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$754,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,029
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$62,666
−HK$1,660/mo
Today · 4.125%
HK$64,326
baseline
▲ 0.50% · 4.625%
HK$67,717
+HK$3,391/mo
Deposit HK$8.02M · loan HK$12.03M · min. income ≈ HK$128,652/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$754,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,001
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$65,992
−HK$2,022/mo
Today · 4.125%
HK$68,014
baseline
▲ 0.50% · 4.625%
HK$72,153
+HK$4,139/mo
Deposit HK$6.01M · loan HK$14.03M · min. income ≈ HK$136,028/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$754,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,200
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$73,110
−HK$1,937/mo
Today · 4.125%
HK$75,047
baseline
▲ 0.50% · 4.625%
HK$79,003
+HK$3,956/mo
Deposit HK$6.01M · loan HK$14.03M · min. income ≈ HK$150,094/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$754,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,287
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$84,846
−HK$2,601/mo
Today · 4.125%
HK$87,447
baseline
▲ 0.50% · 4.625%
HK$92,768
+HK$5,321/mo
Deposit HK$2.00M · loan HK$18.04M · min. income ≈ HK$174,894/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$754,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,543
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$93,998
−HK$2,491/mo
Today · 4.125%
HK$96,489
baseline
▲ 0.50% · 4.625%
HK$101,575
+HK$5,086/mo
Deposit HK$2.00M · loan HK$18.04M · min. income ≈ HK$192,978/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$754,815 · Scale 2, in force from 26 Feb 2026)