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$45,677
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,097
−HK$1,444/mo
Today · 4.125%
HK$48,541
baseline
▲ 0.50% · 4.625%
HK$51,495
+HK$2,954/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$97,082/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$753,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,815
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,178
−HK$1,382/mo
Today · 4.125%
HK$53,560
baseline
▲ 0.50% · 4.625%
HK$56,383
+HK$2,823/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$107,120/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$753,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,812
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$56,517
−HK$1,732/mo
Today · 4.125%
HK$58,249
baseline
▲ 0.50% · 4.625%
HK$61,794
+HK$3,545/mo
Deposit HK$8.01M · loan HK$12.02M · min. income ≈ HK$116,498/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$753,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,978
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,613
−HK$1,659/mo
Today · 4.125%
HK$64,272
baseline
▲ 0.50% · 4.625%
HK$67,660
+HK$3,388/mo
Deposit HK$8.01M · loan HK$12.02M · min. income ≈ HK$128,544/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$753,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,947
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$65,936
−HK$2,021/mo
Today · 4.125%
HK$67,957
baseline
▲ 0.50% · 4.625%
HK$72,092
+HK$4,135/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$135,914/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$753,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,141
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$73,049
−HK$1,935/mo
Today · 4.125%
HK$74,984
baseline
▲ 0.50% · 4.625%
HK$78,937
+HK$3,953/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$149,968/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$753,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,218
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$84,775
−HK$2,599/mo
Today · 4.125%
HK$87,374
baseline
▲ 0.50% · 4.625%
HK$92,690
+HK$5,316/mo
Deposit HK$2.00M · loan HK$18.03M · min. income ≈ HK$174,748/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$753,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,467
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$93,920
−HK$2,488/mo
Today · 4.125%
HK$96,408
baseline
▲ 0.50% · 4.625%
HK$101,490
+HK$5,082/mo
Deposit HK$2.00M · loan HK$18.03M · min. income ≈ HK$192,816/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$753,137 · Scale 2, in force from 26 Feb 2026)