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$45,773
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$47,197
−HK$1,447/mo
Today · 4.125%
HK$48,644
baseline
▲ 0.50% · 4.625%
HK$51,604
+HK$2,960/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$97,288/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$757,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,922
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,288
−HK$1,386/mo
Today · 4.125%
HK$53,674
baseline
▲ 0.50% · 4.625%
HK$56,503
+HK$2,829/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$107,348/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$757,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,928
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,637
−HK$1,735/mo
Today · 4.125%
HK$58,372
baseline
▲ 0.50% · 4.625%
HK$61,924
+HK$3,552/mo
Deposit HK$8.03M · loan HK$12.04M · min. income ≈ HK$116,744/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$757,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,107
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,746
−HK$1,662/mo
Today · 4.125%
HK$64,408
baseline
▲ 0.50% · 4.625%
HK$67,803
+HK$3,395/mo
Deposit HK$8.03M · loan HK$12.04M · min. income ≈ HK$128,816/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$757,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,083
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$66,076
−HK$2,025/mo
Today · 4.125%
HK$68,101
baseline
▲ 0.50% · 4.625%
HK$72,245
+HK$4,144/mo
Deposit HK$6.02M · loan HK$14.05M · min. income ≈ HK$136,202/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$757,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,291
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$73,203
−HK$1,940/mo
Today · 4.125%
HK$75,143
baseline
▲ 0.50% · 4.625%
HK$79,104
+HK$3,961/mo
Deposit HK$6.02M · loan HK$14.05M · min. income ≈ HK$150,286/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$757,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,392
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$84,955
−HK$2,604/mo
Today · 4.125%
HK$87,559
baseline
▲ 0.50% · 4.625%
HK$92,886
+HK$5,327/mo
Deposit HK$2.01M · loan HK$18.07M · min. income ≈ HK$175,118/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$757,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,660
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$94,119
−HK$2,493/mo
Today · 4.125%
HK$96,612
baseline
▲ 0.50% · 4.625%
HK$101,705
+HK$5,093/mo
Deposit HK$2.01M · loan HK$18.07M · min. income ≈ HK$193,224/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$757,377 · Scale 2, in force from 26 Feb 2026)