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$45,711
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,133
−HK$1,444/mo
Today · 4.125%
HK$48,577
baseline
▲ 0.50% · 4.625%
HK$51,533
+HK$2,956/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$97,154/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$754,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,853
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,217
−HK$1,383/mo
Today · 4.125%
HK$53,600
baseline
▲ 0.50% · 4.625%
HK$56,426
+HK$2,826/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$107,200/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$754,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,853
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,559
−HK$1,734/mo
Today · 4.125%
HK$58,293
baseline
▲ 0.50% · 4.625%
HK$61,840
+HK$3,547/mo
Deposit HK$8.02M · loan HK$12.03M · min. income ≈ HK$116,586/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$754,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,023
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$62,660
−HK$1,660/mo
Today · 4.125%
HK$64,320
baseline
▲ 0.50% · 4.625%
HK$67,711
+HK$3,391/mo
Deposit HK$8.02M · loan HK$12.03M · min. income ≈ HK$128,640/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$754,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,995
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$65,986
−HK$2,022/mo
Today · 4.125%
HK$68,008
baseline
▲ 0.50% · 4.625%
HK$72,146
+HK$4,138/mo
Deposit HK$6.01M · loan HK$14.03M · min. income ≈ HK$136,016/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$754,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,194
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$73,103
−HK$1,937/mo
Today · 4.125%
HK$75,040
baseline
▲ 0.50% · 4.625%
HK$78,996
+HK$3,956/mo
Deposit HK$6.01M · loan HK$14.03M · min. income ≈ HK$150,080/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$754,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,279
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$84,839
−HK$2,600/mo
Today · 4.125%
HK$87,439
baseline
▲ 0.50% · 4.625%
HK$92,760
+HK$5,321/mo
Deposit HK$2.00M · loan HK$18.04M · min. income ≈ HK$174,878/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$754,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,535
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$93,990
−HK$2,490/mo
Today · 4.125%
HK$96,480
baseline
▲ 0.50% · 4.625%
HK$101,566
+HK$5,086/mo
Deposit HK$2.00M · loan HK$18.04M · min. income ≈ HK$192,960/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$754,636 · Scale 2, in force from 26 Feb 2026)