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$45,680
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,101
−HK$1,443/mo
Today · 4.125%
HK$48,544
baseline
▲ 0.50% · 4.625%
HK$51,498
+HK$2,954/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$97,088/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$753,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,818
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,181
−HK$1,383/mo
Today · 4.125%
HK$53,564
baseline
▲ 0.50% · 4.625%
HK$56,387
+HK$2,823/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$107,128/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$753,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,816
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$56,521
−HK$1,732/mo
Today · 4.125%
HK$58,253
baseline
▲ 0.50% · 4.625%
HK$61,798
+HK$3,545/mo
Deposit HK$8.01M · loan HK$12.02M · min. income ≈ HK$116,506/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$753,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,982
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,618
−HK$1,659/mo
Today · 4.125%
HK$64,277
baseline
▲ 0.50% · 4.625%
HK$67,665
+HK$3,388/mo
Deposit HK$8.01M · loan HK$12.02M · min. income ≈ HK$128,554/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$753,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,952
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$65,941
−HK$2,021/mo
Today · 4.125%
HK$67,962
baseline
▲ 0.50% · 4.625%
HK$72,098
+HK$4,136/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$135,924/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$753,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,146
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$73,054
−HK$1,936/mo
Today · 4.125%
HK$74,990
baseline
▲ 0.50% · 4.625%
HK$78,942
+HK$3,952/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$149,980/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$753,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,224
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$84,781
−HK$2,599/mo
Today · 4.125%
HK$87,380
baseline
▲ 0.50% · 4.625%
HK$92,697
+HK$5,317/mo
Deposit HK$2.00M · loan HK$18.03M · min. income ≈ HK$174,760/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$753,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,473
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$93,926
−HK$2,489/mo
Today · 4.125%
HK$96,415
baseline
▲ 0.50% · 4.625%
HK$101,497
+HK$5,082/mo
Deposit HK$2.00M · loan HK$18.03M · min. income ≈ HK$192,830/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$753,279 · Scale 2, in force from 26 Feb 2026)