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$45,829
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,255
−HK$1,448/mo
Today · 4.125%
HK$48,703
baseline
▲ 0.50% · 4.625%
HK$51,667
+HK$2,964/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$97,406/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$759,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,985
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,352
−HK$1,387/mo
Today · 4.125%
HK$53,739
baseline
▲ 0.50% · 4.625%
HK$56,572
+HK$2,833/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$107,478/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$759,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,995
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,706
−HK$1,738/mo
Today · 4.125%
HK$58,444
baseline
▲ 0.50% · 4.625%
HK$62,000
+HK$3,556/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$116,888/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$759,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,182
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,823
−HK$1,664/mo
Today · 4.125%
HK$64,487
baseline
▲ 0.50% · 4.625%
HK$67,886
+HK$3,399/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$128,974/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$759,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,161
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$66,157
−HK$2,028/mo
Today · 4.125%
HK$68,185
baseline
▲ 0.50% · 4.625%
HK$72,334
+HK$4,149/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$136,370/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$759,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,379
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$73,293
−HK$1,942/mo
Today · 4.125%
HK$75,235
baseline
▲ 0.50% · 4.625%
HK$79,201
+HK$3,966/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$150,470/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$759,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,493
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$85,059
−HK$2,607/mo
Today · 4.125%
HK$87,666
baseline
▲ 0.50% · 4.625%
HK$93,000
+HK$5,334/mo
Deposit HK$2.01M · loan HK$18.09M · min. income ≈ HK$175,332/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$759,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,773
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$94,234
−HK$2,497/mo
Today · 4.125%
HK$96,731
baseline
▲ 0.50% · 4.625%
HK$101,830
+HK$5,099/mo
Deposit HK$2.01M · loan HK$18.09M · min. income ≈ HK$193,462/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$759,837 · Scale 2, in force from 26 Feb 2026)