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$45,840
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,266
−HK$1,449/mo
Today · 4.125%
HK$48,715
baseline
▲ 0.50% · 4.625%
HK$51,679
+HK$2,964/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$97,430/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$760,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,997
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,365
−HK$1,387/mo
Today · 4.125%
HK$53,752
baseline
▲ 0.50% · 4.625%
HK$56,586
+HK$2,834/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$107,504/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$760,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,009
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,720
−HK$1,738/mo
Today · 4.125%
HK$58,458
baseline
▲ 0.50% · 4.625%
HK$62,015
+HK$3,557/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$116,916/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$760,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,196
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$62,838
−HK$1,665/mo
Today · 4.125%
HK$64,503
baseline
▲ 0.50% · 4.625%
HK$67,903
+HK$3,400/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$129,006/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$760,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,177
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$66,173
−HK$2,028/mo
Today · 4.125%
HK$68,201
baseline
▲ 0.50% · 4.625%
HK$72,351
+HK$4,150/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$136,402/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$760,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,396
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$73,311
−HK$1,942/mo
Today · 4.125%
HK$75,253
baseline
▲ 0.50% · 4.625%
HK$79,220
+HK$3,967/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$150,506/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$760,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,513
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$85,079
−HK$2,608/mo
Today · 4.125%
HK$87,687
baseline
▲ 0.50% · 4.625%
HK$93,023
+HK$5,336/mo
Deposit HK$2.01M · loan HK$18.09M · min. income ≈ HK$175,374/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$760,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,795
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$94,257
−HK$2,497/mo
Today · 4.125%
HK$96,754
baseline
▲ 0.50% · 4.625%
HK$101,854
+HK$5,100/mo
Deposit HK$2.01M · loan HK$18.09M · min. income ≈ HK$193,508/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$760,319 · Scale 2, in force from 26 Feb 2026)