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$45,845
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,271
−HK$1,449/mo
Today · 4.125%
HK$48,720
baseline
▲ 0.50% · 4.625%
HK$51,684
+HK$2,964/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$97,440/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$760,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,002
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,370
−HK$1,387/mo
Today · 4.125%
HK$53,757
baseline
▲ 0.50% · 4.625%
HK$56,591
+HK$2,834/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$107,514/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$760,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,014
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$56,725
−HK$1,739/mo
Today · 4.125%
HK$58,464
baseline
▲ 0.50% · 4.625%
HK$62,021
+HK$3,557/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$116,928/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$760,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,202
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$62,844
−HK$1,665/mo
Today · 4.125%
HK$64,509
baseline
▲ 0.50% · 4.625%
HK$67,909
+HK$3,400/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$129,018/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$760,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,183
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$66,179
−HK$2,028/mo
Today · 4.125%
HK$68,207
baseline
▲ 0.50% · 4.625%
HK$72,358
+HK$4,151/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$136,414/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$760,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,403
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$73,318
−HK$1,942/mo
Today · 4.125%
HK$75,260
baseline
▲ 0.50% · 4.625%
HK$79,227
+HK$3,967/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$150,520/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$760,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,521
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$85,087
−HK$2,608/mo
Today · 4.125%
HK$87,695
baseline
▲ 0.50% · 4.625%
HK$93,031
+HK$5,336/mo
Deposit HK$2.01M · loan HK$18.09M · min. income ≈ HK$175,390/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$760,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,803
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$94,265
−HK$2,498/mo
Today · 4.125%
HK$96,763
baseline
▲ 0.50% · 4.625%
HK$101,864
+HK$5,101/mo
Deposit HK$2.01M · loan HK$18.09M · min. income ≈ HK$193,526/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$760,510 · Scale 2, in force from 26 Feb 2026)