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$45,697
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,119
−HK$1,444/mo
Today · 4.125%
HK$48,563
baseline
▲ 0.50% · 4.625%
HK$51,518
+HK$2,955/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$97,126/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$754,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,838
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,201
−HK$1,383/mo
Today · 4.125%
HK$53,584
baseline
▲ 0.50% · 4.625%
HK$56,409
+HK$2,825/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$107,168/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$754,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,837
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$56,542
−HK$1,733/mo
Today · 4.125%
HK$58,275
baseline
▲ 0.50% · 4.625%
HK$61,821
+HK$3,546/mo
Deposit HK$8.02M · loan HK$12.02M · min. income ≈ HK$116,550/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$754,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,005
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$62,641
−HK$1,660/mo
Today · 4.125%
HK$64,301
baseline
▲ 0.50% · 4.625%
HK$67,691
+HK$3,390/mo
Deposit HK$8.02M · loan HK$12.02M · min. income ≈ HK$128,602/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$754,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,976
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$65,966
−HK$2,022/mo
Today · 4.125%
HK$67,988
baseline
▲ 0.50% · 4.625%
HK$72,125
+HK$4,137/mo
Deposit HK$6.01M · loan HK$14.03M · min. income ≈ HK$135,976/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$754,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,173
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$73,082
−HK$1,936/mo
Today · 4.125%
HK$75,018
baseline
▲ 0.50% · 4.625%
HK$78,972
+HK$3,954/mo
Deposit HK$6.01M · loan HK$14.03M · min. income ≈ HK$150,036/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$754,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,255
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$84,814
−HK$2,599/mo
Today · 4.125%
HK$87,413
baseline
▲ 0.50% · 4.625%
HK$92,732
+HK$5,319/mo
Deposit HK$2.00M · loan HK$18.04M · min. income ≈ HK$174,826/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$754,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,508
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$93,962
−HK$2,490/mo
Today · 4.125%
HK$96,452
baseline
▲ 0.50% · 4.625%
HK$101,536
+HK$5,084/mo
Deposit HK$2.00M · loan HK$18.04M · min. income ≈ HK$192,904/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$754,042 · Scale 2, in force from 26 Feb 2026)