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$45,740
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,162
−HK$1,446/mo
Today · 4.125%
HK$48,608
baseline
▲ 0.50% · 4.625%
HK$51,566
+HK$2,958/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$97,216/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$755,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,885
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,250
−HK$1,384/mo
Today · 4.125%
HK$53,634
baseline
▲ 0.50% · 4.625%
HK$56,461
+HK$2,827/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$107,268/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$755,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,888
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,595
−HK$1,735/mo
Today · 4.125%
HK$58,330
baseline
▲ 0.50% · 4.625%
HK$61,879
+HK$3,549/mo
Deposit HK$8.02M · loan HK$12.04M · min. income ≈ HK$116,660/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$755,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,062
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,700
−HK$1,661/mo
Today · 4.125%
HK$64,361
baseline
▲ 0.50% · 4.625%
HK$67,753
+HK$3,392/mo
Deposit HK$8.02M · loan HK$12.04M · min. income ≈ HK$128,722/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$755,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,036
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$66,027
−HK$2,024/mo
Today · 4.125%
HK$68,051
baseline
▲ 0.50% · 4.625%
HK$72,192
+HK$4,141/mo
Deposit HK$6.02M · loan HK$14.04M · min. income ≈ HK$136,102/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$755,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,239
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$73,149
−HK$1,939/mo
Today · 4.125%
HK$75,088
baseline
▲ 0.50% · 4.625%
HK$79,046
+HK$3,958/mo
Deposit HK$6.02M · loan HK$14.04M · min. income ≈ HK$150,176/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$755,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,331
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$84,892
−HK$2,602/mo
Today · 4.125%
HK$87,494
baseline
▲ 0.50% · 4.625%
HK$92,818
+HK$5,324/mo
Deposit HK$2.01M · loan HK$18.05M · min. income ≈ HK$174,988/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$755,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,593
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$94,049
−HK$2,492/mo
Today · 4.125%
HK$96,541
baseline
▲ 0.50% · 4.625%
HK$101,630
+HK$5,089/mo
Deposit HK$2.01M · loan HK$18.05M · min. income ≈ HK$193,082/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$755,901 · Scale 2, in force from 26 Feb 2026)