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$45,824
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,249
−HK$1,449/mo
Today · 4.125%
HK$48,698
baseline
▲ 0.50% · 4.625%
HK$51,661
+HK$2,963/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$97,396/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$759,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,979
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,346
−HK$1,387/mo
Today · 4.125%
HK$53,733
baseline
▲ 0.50% · 4.625%
HK$56,565
+HK$2,832/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$107,466/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$759,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,989
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$56,699
−HK$1,738/mo
Today · 4.125%
HK$58,437
baseline
▲ 0.50% · 4.625%
HK$61,993
+HK$3,556/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$116,874/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$759,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,175
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,815
−HK$1,665/mo
Today · 4.125%
HK$64,480
baseline
▲ 0.50% · 4.625%
HK$67,878
+HK$3,398/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$128,960/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$759,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,154
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$66,149
−HK$2,028/mo
Today · 4.125%
HK$68,177
baseline
▲ 0.50% · 4.625%
HK$72,325
+HK$4,148/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$136,354/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$759,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,370
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$73,284
−HK$1,942/mo
Today · 4.125%
HK$75,226
baseline
▲ 0.50% · 4.625%
HK$79,191
+HK$3,965/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$150,452/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$759,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,483
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$85,049
−HK$2,607/mo
Today · 4.125%
HK$87,656
baseline
▲ 0.50% · 4.625%
HK$92,989
+HK$5,333/mo
Deposit HK$2.01M · loan HK$18.09M · min. income ≈ HK$175,312/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$759,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,762
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$94,223
−HK$2,496/mo
Today · 4.125%
HK$96,719
baseline
▲ 0.50% · 4.625%
HK$101,818
+HK$5,099/mo
Deposit HK$2.01M · loan HK$18.09M · min. income ≈ HK$193,438/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$759,600 · Scale 2, in force from 26 Feb 2026)