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$45,855
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,281
−HK$1,449/mo
Today · 4.125%
HK$48,730
baseline
▲ 0.50% · 4.625%
HK$51,695
+HK$2,965/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$97,460/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$760,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,013
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,381
−HK$1,388/mo
Today · 4.125%
HK$53,769
baseline
▲ 0.50% · 4.625%
HK$56,603
+HK$2,834/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$107,538/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$760,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,025
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$56,737
−HK$1,739/mo
Today · 4.125%
HK$58,476
baseline
▲ 0.50% · 4.625%
HK$62,034
+HK$3,558/mo
Deposit HK$8.04M · loan HK$12.07M · min. income ≈ HK$116,952/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$760,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,215
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,857
−HK$1,666/mo
Today · 4.125%
HK$64,523
baseline
▲ 0.50% · 4.625%
HK$67,924
+HK$3,401/mo
Deposit HK$8.04M · loan HK$12.07M · min. income ≈ HK$129,046/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$760,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,196
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$66,193
−HK$2,029/mo
Today · 4.125%
HK$68,222
baseline
▲ 0.50% · 4.625%
HK$72,373
+HK$4,151/mo
Deposit HK$6.03M · loan HK$14.08M · min. income ≈ HK$136,444/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$760,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,418
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$73,333
−HK$1,943/mo
Today · 4.125%
HK$75,276
baseline
▲ 0.50% · 4.625%
HK$79,244
+HK$3,968/mo
Deposit HK$6.03M · loan HK$14.08M · min. income ≈ HK$150,552/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$760,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,538
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$85,106
−HK$2,608/mo
Today · 4.125%
HK$87,714
baseline
▲ 0.50% · 4.625%
HK$93,051
+HK$5,337/mo
Deposit HK$2.01M · loan HK$18.10M · min. income ≈ HK$175,428/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$760,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,823
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$94,286
−HK$2,498/mo
Today · 4.125%
HK$96,784
baseline
▲ 0.50% · 4.625%
HK$101,885
+HK$5,101/mo
Deposit HK$2.01M · loan HK$18.10M · min. income ≈ HK$193,568/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$760,939 · Scale 2, in force from 26 Feb 2026)