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$45,722
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,144
−HK$1,445/mo
Today · 4.125%
HK$48,589
baseline
▲ 0.50% · 4.625%
HK$51,546
+HK$2,957/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$97,178/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$755,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,865
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,229
−HK$1,384/mo
Today · 4.125%
HK$53,613
baseline
▲ 0.50% · 4.625%
HK$56,439
+HK$2,826/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$107,226/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$755,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,866
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$56,573
−HK$1,734/mo
Today · 4.125%
HK$58,307
baseline
▲ 0.50% · 4.625%
HK$61,855
+HK$3,548/mo
Deposit HK$8.02M · loan HK$12.03M · min. income ≈ HK$116,614/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$755,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,038
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,675
−HK$1,661/mo
Today · 4.125%
HK$64,336
baseline
▲ 0.50% · 4.625%
HK$67,727
+HK$3,391/mo
Deposit HK$8.02M · loan HK$12.03M · min. income ≈ HK$128,672/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$755,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,011
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$66,002
−HK$2,023/mo
Today · 4.125%
HK$68,025
baseline
▲ 0.50% · 4.625%
HK$72,164
+HK$4,139/mo
Deposit HK$6.02M · loan HK$14.04M · min. income ≈ HK$136,050/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$755,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,211
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$73,121
−HK$1,937/mo
Today · 4.125%
HK$75,058
baseline
▲ 0.50% · 4.625%
HK$79,015
+HK$3,957/mo
Deposit HK$6.02M · loan HK$14.04M · min. income ≈ HK$150,116/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$755,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,299
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$84,859
−HK$2,601/mo
Today · 4.125%
HK$87,460
baseline
▲ 0.50% · 4.625%
HK$92,782
+HK$5,322/mo
Deposit HK$2.01M · loan HK$18.05M · min. income ≈ HK$174,920/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$755,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,557
−HK$4,947/mo
▼ 0.25% · 3.875%
HK$94,013
−HK$2,491/mo
Today · 4.125%
HK$96,504
baseline
▲ 0.50% · 4.625%
HK$101,591
+HK$5,087/mo
Deposit HK$2.01M · loan HK$18.05M · min. income ≈ HK$193,008/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$755,118 · Scale 2, in force from 26 Feb 2026)