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$45,833
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,259
−HK$1,448/mo
Today · 4.125%
HK$48,707
baseline
▲ 0.50% · 4.625%
HK$51,671
+HK$2,964/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$97,414/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$759,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,989
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,356
−HK$1,387/mo
Today · 4.125%
HK$53,743
baseline
▲ 0.50% · 4.625%
HK$56,576
+HK$2,833/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$107,486/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$759,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,999
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,710
−HK$1,738/mo
Today · 4.125%
HK$58,448
baseline
▲ 0.50% · 4.625%
HK$62,005
+HK$3,557/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$116,896/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$759,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,186
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$62,827
−HK$1,665/mo
Today · 4.125%
HK$64,492
baseline
▲ 0.50% · 4.625%
HK$67,892
+HK$3,400/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$128,984/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$759,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,166
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$66,162
−HK$2,028/mo
Today · 4.125%
HK$68,190
baseline
▲ 0.50% · 4.625%
HK$72,339
+HK$4,149/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$136,380/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$759,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,384
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$73,299
−HK$1,942/mo
Today · 4.125%
HK$75,241
baseline
▲ 0.50% · 4.625%
HK$79,207
+HK$3,966/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$150,482/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$759,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,499
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$85,065
−HK$2,608/mo
Today · 4.125%
HK$87,673
baseline
▲ 0.50% · 4.625%
HK$93,007
+HK$5,334/mo
Deposit HK$2.01M · loan HK$18.09M · min. income ≈ HK$175,346/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$759,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,780
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$94,241
−HK$2,497/mo
Today · 4.125%
HK$96,738
baseline
▲ 0.50% · 4.625%
HK$101,837
+HK$5,099/mo
Deposit HK$2.01M · loan HK$18.09M · min. income ≈ HK$193,476/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$759,989 · Scale 2, in force from 26 Feb 2026)