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$45,736
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,159
−HK$1,445/mo
Today · 4.125%
HK$48,604
baseline
▲ 0.50% · 4.625%
HK$51,562
+HK$2,958/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$97,208/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$755,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,881
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,246
−HK$1,384/mo
Today · 4.125%
HK$53,630
baseline
▲ 0.50% · 4.625%
HK$56,457
+HK$2,827/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$107,260/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$755,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,884
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$56,591
−HK$1,734/mo
Today · 4.125%
HK$58,325
baseline
▲ 0.50% · 4.625%
HK$61,874
+HK$3,549/mo
Deposit HK$8.02M · loan HK$12.03M · min. income ≈ HK$116,650/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$755,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,058
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,695
−HK$1,661/mo
Today · 4.125%
HK$64,356
baseline
▲ 0.50% · 4.625%
HK$67,749
+HK$3,393/mo
Deposit HK$8.02M · loan HK$12.03M · min. income ≈ HK$128,712/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$755,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,031
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$66,023
−HK$2,023/mo
Today · 4.125%
HK$68,046
baseline
▲ 0.50% · 4.625%
HK$72,187
+HK$4,141/mo
Deposit HK$6.02M · loan HK$14.04M · min. income ≈ HK$136,092/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$755,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,234
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$73,144
−HK$1,938/mo
Today · 4.125%
HK$75,082
baseline
▲ 0.50% · 4.625%
HK$79,040
+HK$3,958/mo
Deposit HK$6.02M · loan HK$14.04M · min. income ≈ HK$150,164/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$755,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,326
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$84,886
−HK$2,602/mo
Today · 4.125%
HK$87,488
baseline
▲ 0.50% · 4.625%
HK$92,812
+HK$5,324/mo
Deposit HK$2.01M · loan HK$18.05M · min. income ≈ HK$174,976/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$755,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,586
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$94,043
−HK$2,491/mo
Today · 4.125%
HK$96,534
baseline
▲ 0.50% · 4.625%
HK$101,623
+HK$5,089/mo
Deposit HK$2.01M · loan HK$18.05M · min. income ≈ HK$193,068/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$755,757 · Scale 2, in force from 26 Feb 2026)