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$45,812
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,237
−HK$1,448/mo
Today · 4.125%
HK$48,685
baseline
▲ 0.50% · 4.625%
HK$51,647
+HK$2,962/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$97,370/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$759,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,965
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,332
−HK$1,387/mo
Today · 4.125%
HK$53,719
baseline
▲ 0.50% · 4.625%
HK$56,550
+HK$2,831/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$107,438/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$759,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,974
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,684
−HK$1,737/mo
Today · 4.125%
HK$58,421
baseline
▲ 0.50% · 4.625%
HK$61,976
+HK$3,555/mo
Deposit HK$8.04M · loan HK$12.05M · min. income ≈ HK$116,842/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$759,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,158
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,798
−HK$1,664/mo
Today · 4.125%
HK$64,462
baseline
▲ 0.50% · 4.625%
HK$67,860
+HK$3,398/mo
Deposit HK$8.04M · loan HK$12.05M · min. income ≈ HK$128,924/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$759,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,136
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$66,131
−HK$2,027/mo
Today · 4.125%
HK$68,158
baseline
▲ 0.50% · 4.625%
HK$72,306
+HK$4,148/mo
Deposit HK$6.03M · loan HK$14.06M · min. income ≈ HK$136,316/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$759,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,351
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$73,265
−HK$1,941/mo
Today · 4.125%
HK$75,206
baseline
▲ 0.50% · 4.625%
HK$79,170
+HK$3,964/mo
Deposit HK$6.03M · loan HK$14.06M · min. income ≈ HK$150,412/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$759,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,461
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$85,026
−HK$2,606/mo
Today · 4.125%
HK$87,632
baseline
▲ 0.50% · 4.625%
HK$92,964
+HK$5,332/mo
Deposit HK$2.01M · loan HK$18.08M · min. income ≈ HK$175,264/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$759,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,737
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$94,198
−HK$2,495/mo
Today · 4.125%
HK$96,693
baseline
▲ 0.50% · 4.625%
HK$101,790
+HK$5,097/mo
Deposit HK$2.01M · loan HK$18.08M · min. income ≈ HK$193,386/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$759,061 · Scale 2, in force from 26 Feb 2026)