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$45,734
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,157
−HK$1,445/mo
Today · 4.125%
HK$48,602
baseline
▲ 0.50% · 4.625%
HK$51,560
+HK$2,958/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$97,204/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$755,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,879
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,244
−HK$1,384/mo
Today · 4.125%
HK$53,628
baseline
▲ 0.50% · 4.625%
HK$56,455
+HK$2,827/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$107,256/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$755,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,881
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,588
−HK$1,735/mo
Today · 4.125%
HK$58,323
baseline
▲ 0.50% · 4.625%
HK$61,872
+HK$3,549/mo
Deposit HK$8.02M · loan HK$12.03M · min. income ≈ HK$116,646/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$755,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,055
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,692
−HK$1,662/mo
Today · 4.125%
HK$64,354
baseline
▲ 0.50% · 4.625%
HK$67,746
+HK$3,392/mo
Deposit HK$8.02M · loan HK$12.03M · min. income ≈ HK$128,708/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$755,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,028
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$66,020
−HK$2,023/mo
Today · 4.125%
HK$68,043
baseline
▲ 0.50% · 4.625%
HK$72,184
+HK$4,141/mo
Deposit HK$6.02M · loan HK$14.04M · min. income ≈ HK$136,086/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$755,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,231
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$73,141
−HK$1,938/mo
Today · 4.125%
HK$75,079
baseline
▲ 0.50% · 4.625%
HK$79,037
+HK$3,958/mo
Deposit HK$6.02M · loan HK$14.04M · min. income ≈ HK$150,158/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$755,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,322
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$84,883
−HK$2,601/mo
Today · 4.125%
HK$87,484
baseline
▲ 0.50% · 4.625%
HK$92,807
+HK$5,323/mo
Deposit HK$2.01M · loan HK$18.05M · min. income ≈ HK$174,968/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$755,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,582
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$94,039
−HK$2,491/mo
Today · 4.125%
HK$96,530
baseline
▲ 0.50% · 4.625%
HK$101,618
+HK$5,088/mo
Deposit HK$2.01M · loan HK$18.05M · min. income ≈ HK$193,060/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$755,670 · Scale 2, in force from 26 Feb 2026)