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$45,841
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,267
−HK$1,449/mo
Today · 4.125%
HK$48,716
baseline
▲ 0.50% · 4.625%
HK$51,680
+HK$2,964/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$97,432/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$760,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,998
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,366
−HK$1,387/mo
Today · 4.125%
HK$53,753
baseline
▲ 0.50% · 4.625%
HK$56,587
+HK$2,834/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$107,506/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$760,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,010
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,721
−HK$1,738/mo
Today · 4.125%
HK$58,459
baseline
▲ 0.50% · 4.625%
HK$62,016
+HK$3,557/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$116,918/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$760,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,198
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$62,839
−HK$1,665/mo
Today · 4.125%
HK$64,504
baseline
▲ 0.50% · 4.625%
HK$67,904
+HK$3,400/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$129,008/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$760,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,178
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$66,174
−HK$2,028/mo
Today · 4.125%
HK$68,202
baseline
▲ 0.50% · 4.625%
HK$72,352
+HK$4,150/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$136,404/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$760,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,397
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$73,312
−HK$1,943/mo
Today · 4.125%
HK$75,255
baseline
▲ 0.50% · 4.625%
HK$79,221
+HK$3,966/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$150,510/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$760,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,514
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$85,081
−HK$2,608/mo
Today · 4.125%
HK$87,689
baseline
▲ 0.50% · 4.625%
HK$93,025
+HK$5,336/mo
Deposit HK$2.01M · loan HK$18.09M · min. income ≈ HK$175,378/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$760,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,797
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$94,258
−HK$2,498/mo
Today · 4.125%
HK$96,756
baseline
▲ 0.50% · 4.625%
HK$101,856
+HK$5,100/mo
Deposit HK$2.01M · loan HK$18.09M · min. income ≈ HK$193,512/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$760,361 · Scale 2, in force from 26 Feb 2026)