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$45,814
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,239
−HK$1,448/mo
Today · 4.125%
HK$48,687
baseline
▲ 0.50% · 4.625%
HK$51,649
+HK$2,962/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$97,374/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$759,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,968
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,334
−HK$1,387/mo
Today · 4.125%
HK$53,721
baseline
▲ 0.50% · 4.625%
HK$56,553
+HK$2,832/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$107,442/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$759,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,977
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,687
−HK$1,737/mo
Today · 4.125%
HK$58,424
baseline
▲ 0.50% · 4.625%
HK$61,979
+HK$3,555/mo
Deposit HK$8.04M · loan HK$12.05M · min. income ≈ HK$116,848/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$759,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,161
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,801
−HK$1,664/mo
Today · 4.125%
HK$64,465
baseline
▲ 0.50% · 4.625%
HK$67,863
+HK$3,398/mo
Deposit HK$8.04M · loan HK$12.05M · min. income ≈ HK$128,930/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$759,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,140
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$66,135
−HK$2,027/mo
Today · 4.125%
HK$68,162
baseline
▲ 0.50% · 4.625%
HK$72,309
+HK$4,147/mo
Deposit HK$6.03M · loan HK$14.06M · min. income ≈ HK$136,324/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$759,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,355
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$73,268
−HK$1,942/mo
Today · 4.125%
HK$75,210
baseline
▲ 0.50% · 4.625%
HK$79,174
+HK$3,964/mo
Deposit HK$6.03M · loan HK$14.06M · min. income ≈ HK$150,420/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$759,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,465
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$85,030
−HK$2,606/mo
Today · 4.125%
HK$87,636
baseline
▲ 0.50% · 4.625%
HK$92,969
+HK$5,333/mo
Deposit HK$2.01M · loan HK$18.08M · min. income ≈ HK$175,272/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$759,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,742
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$94,202
−HK$2,496/mo
Today · 4.125%
HK$96,698
baseline
▲ 0.50% · 4.625%
HK$101,795
+HK$5,097/mo
Deposit HK$2.01M · loan HK$18.08M · min. income ≈ HK$193,396/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$759,158 · Scale 2, in force from 26 Feb 2026)