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$45,848
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,274
−HK$1,449/mo
Today · 4.125%
HK$48,723
baseline
▲ 0.50% · 4.625%
HK$51,688
+HK$2,965/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$97,446/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$760,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,005
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,373
−HK$1,388/mo
Today · 4.125%
HK$53,761
baseline
▲ 0.50% · 4.625%
HK$56,595
+HK$2,834/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$107,522/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$760,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,017
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$56,729
−HK$1,739/mo
Today · 4.125%
HK$58,468
baseline
▲ 0.50% · 4.625%
HK$62,025
+HK$3,557/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$116,936/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$760,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,206
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$62,848
−HK$1,665/mo
Today · 4.125%
HK$64,513
baseline
▲ 0.50% · 4.625%
HK$67,914
+HK$3,401/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$129,026/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$760,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,187
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$66,184
−HK$2,028/mo
Today · 4.125%
HK$68,212
baseline
▲ 0.50% · 4.625%
HK$72,363
+HK$4,151/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$136,424/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$760,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,407
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$73,323
−HK$1,942/mo
Today · 4.125%
HK$75,265
baseline
▲ 0.50% · 4.625%
HK$79,233
+HK$3,968/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$150,530/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$760,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,526
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$85,093
−HK$2,608/mo
Today · 4.125%
HK$87,701
baseline
▲ 0.50% · 4.625%
HK$93,038
+HK$5,337/mo
Deposit HK$2.01M · loan HK$18.10M · min. income ≈ HK$175,402/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$760,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,810
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$94,272
−HK$2,498/mo
Today · 4.125%
HK$96,770
baseline
▲ 0.50% · 4.625%
HK$101,871
+HK$5,101/mo
Deposit HK$2.01M · loan HK$18.10M · min. income ≈ HK$193,540/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$760,646 · Scale 2, in force from 26 Feb 2026)