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$45,810
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,235
−HK$1,448/mo
Today · 4.125%
HK$48,683
baseline
▲ 0.50% · 4.625%
HK$51,645
+HK$2,962/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$97,366/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$759,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,964
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,331
−HK$1,386/mo
Today · 4.125%
HK$53,717
baseline
▲ 0.50% · 4.625%
HK$56,549
+HK$2,832/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$107,434/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$759,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,973
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,683
−HK$1,737/mo
Today · 4.125%
HK$58,420
baseline
▲ 0.50% · 4.625%
HK$61,975
+HK$3,555/mo
Deposit HK$8.04M · loan HK$12.05M · min. income ≈ HK$116,840/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$759,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,156
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,797
−HK$1,664/mo
Today · 4.125%
HK$64,461
baseline
▲ 0.50% · 4.625%
HK$67,858
+HK$3,397/mo
Deposit HK$8.04M · loan HK$12.05M · min. income ≈ HK$128,922/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$759,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,135
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$66,130
−HK$2,026/mo
Today · 4.125%
HK$68,156
baseline
▲ 0.50% · 4.625%
HK$72,304
+HK$4,148/mo
Deposit HK$6.03M · loan HK$14.06M · min. income ≈ HK$136,312/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$759,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,349
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$73,263
−HK$1,941/mo
Today · 4.125%
HK$75,204
baseline
▲ 0.50% · 4.625%
HK$79,168
+HK$3,964/mo
Deposit HK$6.03M · loan HK$14.06M · min. income ≈ HK$150,408/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$759,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,459
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$85,024
−HK$2,606/mo
Today · 4.125%
HK$87,630
baseline
▲ 0.50% · 4.625%
HK$92,962
+HK$5,332/mo
Deposit HK$2.01M · loan HK$18.08M · min. income ≈ HK$175,260/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$759,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,735
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$94,195
−HK$2,496/mo
Today · 4.125%
HK$96,691
baseline
▲ 0.50% · 4.625%
HK$101,787
+HK$5,096/mo
Deposit HK$2.01M · loan HK$18.08M · min. income ≈ HK$193,382/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$759,006 · Scale 2, in force from 26 Feb 2026)