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$45,696
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,118
−HK$1,444/mo
Today · 4.125%
HK$48,562
baseline
▲ 0.50% · 4.625%
HK$51,517
+HK$2,955/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$97,124/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$753,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,837
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,200
−HK$1,383/mo
Today · 4.125%
HK$53,583
baseline
▲ 0.50% · 4.625%
HK$56,408
+HK$2,825/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$107,166/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$753,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,835
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,541
−HK$1,733/mo
Today · 4.125%
HK$58,274
baseline
▲ 0.50% · 4.625%
HK$61,820
+HK$3,546/mo
Deposit HK$8.02M · loan HK$12.02M · min. income ≈ HK$116,548/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$753,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,004
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$62,640
−HK$1,660/mo
Today · 4.125%
HK$64,300
baseline
▲ 0.50% · 4.625%
HK$67,689
+HK$3,389/mo
Deposit HK$8.02M · loan HK$12.02M · min. income ≈ HK$128,600/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$753,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,975
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$65,965
−HK$2,021/mo
Today · 4.125%
HK$67,986
baseline
▲ 0.50% · 4.625%
HK$72,123
+HK$4,137/mo
Deposit HK$6.01M · loan HK$14.03M · min. income ≈ HK$135,972/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$753,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,171
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$73,080
−HK$1,936/mo
Today · 4.125%
HK$75,016
baseline
▲ 0.50% · 4.625%
HK$78,971
+HK$3,955/mo
Deposit HK$6.01M · loan HK$14.03M · min. income ≈ HK$150,032/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$753,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,253
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$84,812
−HK$2,599/mo
Today · 4.125%
HK$87,411
baseline
▲ 0.50% · 4.625%
HK$92,730
+HK$5,319/mo
Deposit HK$2.00M · loan HK$18.04M · min. income ≈ HK$174,822/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$753,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,506
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$93,960
−HK$2,490/mo
Today · 4.125%
HK$96,450
baseline
▲ 0.50% · 4.625%
HK$101,534
+HK$5,084/mo
Deposit HK$2.00M · loan HK$18.04M · min. income ≈ HK$192,900/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$753,993 · Scale 2, in force from 26 Feb 2026)