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$45,831
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,257
−HK$1,448/mo
Today · 4.125%
HK$48,705
baseline
▲ 0.50% · 4.625%
HK$51,669
+HK$2,964/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$97,410/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$759,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,986
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,354
−HK$1,387/mo
Today · 4.125%
HK$53,741
baseline
▲ 0.50% · 4.625%
HK$56,574
+HK$2,833/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$107,482/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$759,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,997
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,708
−HK$1,738/mo
Today · 4.125%
HK$58,446
baseline
▲ 0.50% · 4.625%
HK$62,002
+HK$3,556/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$116,892/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$759,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,184
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,825
−HK$1,664/mo
Today · 4.125%
HK$64,489
baseline
▲ 0.50% · 4.625%
HK$67,889
+HK$3,400/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$128,978/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$759,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,163
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$66,159
−HK$2,028/mo
Today · 4.125%
HK$68,187
baseline
▲ 0.50% · 4.625%
HK$72,336
+HK$4,149/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$136,374/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$759,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,381
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$73,295
−HK$1,943/mo
Today · 4.125%
HK$75,238
baseline
▲ 0.50% · 4.625%
HK$79,203
+HK$3,965/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$150,476/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$759,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,496
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$85,062
−HK$2,607/mo
Today · 4.125%
HK$87,669
baseline
▲ 0.50% · 4.625%
HK$93,003
+HK$5,334/mo
Deposit HK$2.01M · loan HK$18.09M · min. income ≈ HK$175,338/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$759,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,776
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$94,237
−HK$2,497/mo
Today · 4.125%
HK$96,734
baseline
▲ 0.50% · 4.625%
HK$101,833
+HK$5,099/mo
Deposit HK$2.01M · loan HK$18.09M · min. income ≈ HK$193,468/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$759,903 · Scale 2, in force from 26 Feb 2026)