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$45,821
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,246
−HK$1,449/mo
Today · 4.125%
HK$48,695
baseline
▲ 0.50% · 4.625%
HK$51,658
+HK$2,963/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$97,390/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$759,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,976
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,343
−HK$1,387/mo
Today · 4.125%
HK$53,730
baseline
▲ 0.50% · 4.625%
HK$56,562
+HK$2,832/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$107,460/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$759,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,985
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,696
−HK$1,738/mo
Today · 4.125%
HK$58,434
baseline
▲ 0.50% · 4.625%
HK$61,989
+HK$3,555/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$116,868/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$759,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,171
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,811
−HK$1,665/mo
Today · 4.125%
HK$64,476
baseline
▲ 0.50% · 4.625%
HK$67,874
+HK$3,398/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$128,952/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$759,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,150
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$66,145
−HK$2,027/mo
Today · 4.125%
HK$68,172
baseline
▲ 0.50% · 4.625%
HK$72,321
+HK$4,149/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$136,344/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$759,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,366
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$73,280
−HK$1,942/mo
Today · 4.125%
HK$75,222
baseline
▲ 0.50% · 4.625%
HK$79,187
+HK$3,965/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$150,444/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$759,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,478
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$85,044
−HK$2,606/mo
Today · 4.125%
HK$87,650
baseline
▲ 0.50% · 4.625%
HK$92,984
+HK$5,334/mo
Deposit HK$2.01M · loan HK$18.09M · min. income ≈ HK$175,300/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$759,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,756
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$94,217
−HK$2,496/mo
Today · 4.125%
HK$96,713
baseline
▲ 0.50% · 4.625%
HK$101,811
+HK$5,098/mo
Deposit HK$2.01M · loan HK$18.09M · min. income ≈ HK$193,426/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$759,476 · Scale 2, in force from 26 Feb 2026)