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$45,853
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$47,280
−HK$1,449/mo
Today · 4.125%
HK$48,729
baseline
▲ 0.50% · 4.625%
HK$51,694
+HK$2,965/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$97,458/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$760,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,011
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,380
−HK$1,387/mo
Today · 4.125%
HK$53,767
baseline
▲ 0.50% · 4.625%
HK$56,602
+HK$2,835/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$107,534/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$760,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,024
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$56,736
−HK$1,739/mo
Today · 4.125%
HK$58,475
baseline
▲ 0.50% · 4.625%
HK$62,033
+HK$3,558/mo
Deposit HK$8.04M · loan HK$12.07M · min. income ≈ HK$116,950/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$760,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,214
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$62,855
−HK$1,666/mo
Today · 4.125%
HK$64,521
baseline
▲ 0.50% · 4.625%
HK$67,922
+HK$3,401/mo
Deposit HK$8.04M · loan HK$12.07M · min. income ≈ HK$129,042/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$760,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,195
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$66,192
−HK$2,028/mo
Today · 4.125%
HK$68,220
baseline
▲ 0.50% · 4.625%
HK$72,371
+HK$4,151/mo
Deposit HK$6.03M · loan HK$14.08M · min. income ≈ HK$136,440/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$760,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,416
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$73,331
−HK$1,943/mo
Today · 4.125%
HK$75,274
baseline
▲ 0.50% · 4.625%
HK$79,242
+HK$3,968/mo
Deposit HK$6.03M · loan HK$14.08M · min. income ≈ HK$150,548/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$760,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,536
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$85,104
−HK$2,608/mo
Today · 4.125%
HK$87,712
baseline
▲ 0.50% · 4.625%
HK$93,049
+HK$5,337/mo
Deposit HK$2.01M · loan HK$18.10M · min. income ≈ HK$175,424/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$760,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,821
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$94,283
−HK$2,498/mo
Today · 4.125%
HK$96,781
baseline
▲ 0.50% · 4.625%
HK$101,883
+HK$5,102/mo
Deposit HK$2.01M · loan HK$18.10M · min. income ≈ HK$193,562/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$760,890 · Scale 2, in force from 26 Feb 2026)