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$45,780
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$47,204
−HK$1,447/mo
Today · 4.125%
HK$48,651
baseline
▲ 0.50% · 4.625%
HK$51,611
+HK$2,960/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$97,302/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$757,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,929
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,295
−HK$1,386/mo
Today · 4.125%
HK$53,681
baseline
▲ 0.50% · 4.625%
HK$56,511
+HK$2,830/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$107,362/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$757,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,936
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$56,644
−HK$1,737/mo
Today · 4.125%
HK$58,381
baseline
▲ 0.50% · 4.625%
HK$61,933
+HK$3,552/mo
Deposit HK$8.03M · loan HK$12.05M · min. income ≈ HK$116,762/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$757,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,115
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,754
−HK$1,663/mo
Today · 4.125%
HK$64,417
baseline
▲ 0.50% · 4.625%
HK$67,813
+HK$3,396/mo
Deposit HK$8.03M · loan HK$12.05M · min. income ≈ HK$128,834/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$757,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,092
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$66,085
−HK$2,026/mo
Today · 4.125%
HK$68,111
baseline
▲ 0.50% · 4.625%
HK$72,255
+HK$4,144/mo
Deposit HK$6.02M · loan HK$14.05M · min. income ≈ HK$136,222/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$757,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,301
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$73,214
−HK$1,939/mo
Today · 4.125%
HK$75,153
baseline
▲ 0.50% · 4.625%
HK$79,115
+HK$3,962/mo
Deposit HK$6.02M · loan HK$14.05M · min. income ≈ HK$150,306/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$757,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,403
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$84,967
−HK$2,604/mo
Today · 4.125%
HK$87,571
baseline
▲ 0.50% · 4.625%
HK$92,899
+HK$5,328/mo
Deposit HK$2.01M · loan HK$18.07M · min. income ≈ HK$175,142/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$757,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,673
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$94,132
−HK$2,494/mo
Today · 4.125%
HK$96,626
baseline
▲ 0.50% · 4.625%
HK$101,719
+HK$5,093/mo
Deposit HK$2.01M · loan HK$18.07M · min. income ≈ HK$193,252/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$757,657 · Scale 2, in force from 26 Feb 2026)