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$45,856
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,282
−HK$1,449/mo
Today · 4.125%
HK$48,731
baseline
▲ 0.50% · 4.625%
HK$51,697
+HK$2,966/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$97,462/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$760,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,014
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,382
−HK$1,388/mo
Today · 4.125%
HK$53,770
baseline
▲ 0.50% · 4.625%
HK$56,605
+HK$2,835/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$107,540/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$760,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,027
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$56,739
−HK$1,739/mo
Today · 4.125%
HK$58,478
baseline
▲ 0.50% · 4.625%
HK$62,036
+HK$3,558/mo
Deposit HK$8.04M · loan HK$12.07M · min. income ≈ HK$116,956/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$760,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,217
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$62,859
−HK$1,665/mo
Today · 4.125%
HK$64,524
baseline
▲ 0.50% · 4.625%
HK$67,926
+HK$3,402/mo
Deposit HK$8.04M · loan HK$12.07M · min. income ≈ HK$129,048/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$760,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,198
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$66,195
−HK$2,029/mo
Today · 4.125%
HK$68,224
baseline
▲ 0.50% · 4.625%
HK$72,375
+HK$4,151/mo
Deposit HK$6.03M · loan HK$14.08M · min. income ≈ HK$136,448/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$760,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,420
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$73,335
−HK$1,943/mo
Today · 4.125%
HK$75,278
baseline
▲ 0.50% · 4.625%
HK$79,246
+HK$3,968/mo
Deposit HK$6.03M · loan HK$14.08M · min. income ≈ HK$150,556/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$760,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,541
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$85,108
−HK$2,609/mo
Today · 4.125%
HK$87,717
baseline
▲ 0.50% · 4.625%
HK$93,054
+HK$5,337/mo
Deposit HK$2.01M · loan HK$18.10M · min. income ≈ HK$175,434/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$760,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,826
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$94,288
−HK$2,499/mo
Today · 4.125%
HK$96,787
baseline
▲ 0.50% · 4.625%
HK$101,888
+HK$5,101/mo
Deposit HK$2.01M · loan HK$18.10M · min. income ≈ HK$193,574/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$760,996 · Scale 2, in force from 26 Feb 2026)