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$45,816
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,241
−HK$1,448/mo
Today · 4.125%
HK$48,689
baseline
▲ 0.50% · 4.625%
HK$51,652
+HK$2,963/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$97,378/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$759,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,970
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,337
−HK$1,387/mo
Today · 4.125%
HK$53,724
baseline
▲ 0.50% · 4.625%
HK$56,555
+HK$2,831/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$107,448/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$759,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,979
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$56,689
−HK$1,738/mo
Today · 4.125%
HK$58,427
baseline
▲ 0.50% · 4.625%
HK$61,982
+HK$3,555/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$116,854/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$759,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,164
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,804
−HK$1,664/mo
Today · 4.125%
HK$64,468
baseline
▲ 0.50% · 4.625%
HK$67,866
+HK$3,398/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$128,936/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$759,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,142
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$66,138
−HK$2,027/mo
Today · 4.125%
HK$68,165
baseline
▲ 0.50% · 4.625%
HK$72,312
+HK$4,147/mo
Deposit HK$6.03M · loan HK$14.06M · min. income ≈ HK$136,330/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$759,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,358
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$73,271
−HK$1,942/mo
Today · 4.125%
HK$75,213
baseline
▲ 0.50% · 4.625%
HK$79,177
+HK$3,964/mo
Deposit HK$6.03M · loan HK$14.06M · min. income ≈ HK$150,426/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$759,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,469
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$85,034
−HK$2,606/mo
Today · 4.125%
HK$87,640
baseline
▲ 0.50% · 4.625%
HK$92,973
+HK$5,333/mo
Deposit HK$2.01M · loan HK$18.08M · min. income ≈ HK$175,280/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$759,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,746
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$94,206
−HK$2,496/mo
Today · 4.125%
HK$96,702
baseline
▲ 0.50% · 4.625%
HK$101,800
+HK$5,098/mo
Deposit HK$2.01M · loan HK$18.08M · min. income ≈ HK$193,404/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$759,245 · Scale 2, in force from 26 Feb 2026)