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$45,682
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,103
−HK$1,444/mo
Today · 4.125%
HK$48,547
baseline
▲ 0.50% · 4.625%
HK$51,501
+HK$2,954/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$97,094/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$753,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,821
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,184
−HK$1,383/mo
Today · 4.125%
HK$53,567
baseline
▲ 0.50% · 4.625%
HK$56,391
+HK$2,824/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$107,134/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$753,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,819
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$56,524
−HK$1,733/mo
Today · 4.125%
HK$58,257
baseline
▲ 0.50% · 4.625%
HK$61,801
+HK$3,544/mo
Deposit HK$8.01M · loan HK$12.02M · min. income ≈ HK$116,514/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$753,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,986
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,621
−HK$1,659/mo
Today · 4.125%
HK$64,280
baseline
▲ 0.50% · 4.625%
HK$67,669
+HK$3,389/mo
Deposit HK$8.01M · loan HK$12.02M · min. income ≈ HK$128,560/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$753,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,955
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$65,945
−HK$2,021/mo
Today · 4.125%
HK$67,966
baseline
▲ 0.50% · 4.625%
HK$72,102
+HK$4,136/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$135,932/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$753,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,150
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$73,058
−HK$1,936/mo
Today · 4.125%
HK$74,994
baseline
▲ 0.50% · 4.625%
HK$78,947
+HK$3,953/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$149,988/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$753,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,228
−HK$5,157/mo
▼ 0.25% · 3.875%
HK$84,786
−HK$2,599/mo
Today · 4.125%
HK$87,385
baseline
▲ 0.50% · 4.625%
HK$92,702
+HK$5,317/mo
Deposit HK$2.00M · loan HK$18.03M · min. income ≈ HK$174,770/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$753,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,478
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$93,932
−HK$2,489/mo
Today · 4.125%
HK$96,421
baseline
▲ 0.50% · 4.625%
HK$101,503
+HK$5,082/mo
Deposit HK$2.00M · loan HK$18.03M · min. income ≈ HK$192,842/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$753,392 · Scale 2, in force from 26 Feb 2026)