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$45,678
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,099
−HK$1,443/mo
Today · 4.125%
HK$48,542
baseline
▲ 0.50% · 4.625%
HK$51,496
+HK$2,954/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$97,084/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$753,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,816
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,179
−HK$1,383/mo
Today · 4.125%
HK$53,562
baseline
▲ 0.50% · 4.625%
HK$56,385
+HK$2,823/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$107,124/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$753,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,814
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$56,519
−HK$1,732/mo
Today · 4.125%
HK$58,251
baseline
▲ 0.50% · 4.625%
HK$61,795
+HK$3,544/mo
Deposit HK$8.01M · loan HK$12.02M · min. income ≈ HK$116,502/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$753,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,980
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,615
−HK$1,659/mo
Today · 4.125%
HK$64,274
baseline
▲ 0.50% · 4.625%
HK$67,662
+HK$3,388/mo
Deposit HK$8.01M · loan HK$12.02M · min. income ≈ HK$128,548/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$753,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,949
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$65,938
−HK$2,021/mo
Today · 4.125%
HK$67,959
baseline
▲ 0.50% · 4.625%
HK$72,095
+HK$4,136/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$135,918/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$753,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,143
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$73,051
−HK$1,936/mo
Today · 4.125%
HK$74,987
baseline
▲ 0.50% · 4.625%
HK$78,939
+HK$3,952/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$149,974/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$753,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,220
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$84,778
−HK$2,598/mo
Today · 4.125%
HK$87,376
baseline
▲ 0.50% · 4.625%
HK$92,693
+HK$5,317/mo
Deposit HK$2.00M · loan HK$18.03M · min. income ≈ HK$174,752/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$753,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,469
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$93,923
−HK$2,488/mo
Today · 4.125%
HK$96,411
baseline
▲ 0.50% · 4.625%
HK$101,493
+HK$5,082/mo
Deposit HK$2.00M · loan HK$18.03M · min. income ≈ HK$192,822/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$753,197 · Scale 2, in force from 26 Feb 2026)