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$45,806
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,231
−HK$1,448/mo
Today · 4.125%
HK$48,679
baseline
▲ 0.50% · 4.625%
HK$51,641
+HK$2,962/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$97,358/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$758,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,959
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,326
−HK$1,386/mo
Today · 4.125%
HK$53,712
baseline
▲ 0.50% · 4.625%
HK$56,543
+HK$2,831/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$107,424/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$758,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,968
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,677
−HK$1,738/mo
Today · 4.125%
HK$58,415
baseline
▲ 0.50% · 4.625%
HK$61,969
+HK$3,554/mo
Deposit HK$8.04M · loan HK$12.05M · min. income ≈ HK$116,830/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$758,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,151
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,791
−HK$1,664/mo
Today · 4.125%
HK$64,455
baseline
▲ 0.50% · 4.625%
HK$67,852
+HK$3,397/mo
Deposit HK$8.04M · loan HK$12.05M · min. income ≈ HK$128,910/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$758,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,129
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$66,124
−HK$2,026/mo
Today · 4.125%
HK$68,150
baseline
▲ 0.50% · 4.625%
HK$72,297
+HK$4,147/mo
Deposit HK$6.03M · loan HK$14.06M · min. income ≈ HK$136,300/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$758,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,343
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$73,256
−HK$1,941/mo
Today · 4.125%
HK$75,197
baseline
▲ 0.50% · 4.625%
HK$79,161
+HK$3,964/mo
Deposit HK$6.03M · loan HK$14.06M · min. income ≈ HK$150,394/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$758,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,451
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$85,016
−HK$2,606/mo
Today · 4.125%
HK$87,622
baseline
▲ 0.50% · 4.625%
HK$92,953
+HK$5,331/mo
Deposit HK$2.01M · loan HK$18.08M · min. income ≈ HK$175,244/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$758,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,726
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$94,186
−HK$2,496/mo
Today · 4.125%
HK$96,682
baseline
▲ 0.50% · 4.625%
HK$101,778
+HK$5,096/mo
Deposit HK$2.01M · loan HK$18.08M · min. income ≈ HK$193,364/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$758,823 · Scale 2, in force from 26 Feb 2026)