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$45,804
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,229
−HK$1,448/mo
Today · 4.125%
HK$48,677
baseline
▲ 0.50% · 4.625%
HK$51,639
+HK$2,962/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$97,354/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$758,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,957
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,324
−HK$1,386/mo
Today · 4.125%
HK$53,710
baseline
▲ 0.50% · 4.625%
HK$56,541
+HK$2,831/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$107,420/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$758,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,965
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,675
−HK$1,737/mo
Today · 4.125%
HK$58,412
baseline
▲ 0.50% · 4.625%
HK$61,966
+HK$3,554/mo
Deposit HK$8.03M · loan HK$12.05M · min. income ≈ HK$116,824/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$758,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,148
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,788
−HK$1,664/mo
Today · 4.125%
HK$64,452
baseline
▲ 0.50% · 4.625%
HK$67,849
+HK$3,397/mo
Deposit HK$8.03M · loan HK$12.05M · min. income ≈ HK$128,904/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$758,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,126
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$66,121
−HK$2,026/mo
Today · 4.125%
HK$68,147
baseline
▲ 0.50% · 4.625%
HK$72,294
+HK$4,147/mo
Deposit HK$6.03M · loan HK$14.06M · min. income ≈ HK$136,294/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$758,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,340
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$73,253
−HK$1,941/mo
Today · 4.125%
HK$75,194
baseline
▲ 0.50% · 4.625%
HK$79,158
+HK$3,964/mo
Deposit HK$6.03M · loan HK$14.06M · min. income ≈ HK$150,388/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$758,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,448
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$85,013
−HK$2,605/mo
Today · 4.125%
HK$87,618
baseline
▲ 0.50% · 4.625%
HK$92,950
+HK$5,332/mo
Deposit HK$2.01M · loan HK$18.08M · min. income ≈ HK$175,236/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$758,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,723
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$94,182
−HK$2,496/mo
Today · 4.125%
HK$96,678
baseline
▲ 0.50% · 4.625%
HK$101,774
+HK$5,096/mo
Deposit HK$2.01M · loan HK$18.08M · min. income ≈ HK$193,356/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$758,740 · Scale 2, in force from 26 Feb 2026)