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$45,710
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,132
−HK$1,445/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$754,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,852
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,216
−HK$1,384/mo
Today · 4.125%
HK$53,600
baseline
▲ 0.50% · 4.625%
HK$56,425
+HK$2,825/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$754,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,852
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,559
−HK$1,733/mo
Today · 4.125%
HK$58,292
baseline
▲ 0.50% · 4.625%
HK$61,839
+HK$3,547/mo
Deposit HK$8.02M · loan HK$12.03M · min. income ≈ HK$116,584/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$754,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,023
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$62,659
−HK$1,661/mo
Today · 4.125%
HK$64,320
baseline
▲ 0.50% · 4.625%
HK$67,710
+HK$3,390/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$754,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,995
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$65,985
−HK$2,023/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$754,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,193
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$73,103
−HK$1,937/mo
Today · 4.125%
HK$75,040
baseline
▲ 0.50% · 4.625%
HK$78,995
+HK$3,955/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$754,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,279
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$84,838
−HK$2,600/mo
Today · 4.125%
HK$87,438
baseline
▲ 0.50% · 4.625%
HK$92,759
+HK$5,321/mo
Deposit HK$2.00M · loan HK$18.04M · min. income ≈ HK$174,876/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$754,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,534
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$93,989
−HK$2,491/mo
Today · 4.125%
HK$96,480
baseline
▲ 0.50% · 4.625%
HK$101,565
+HK$5,085/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$754,618 · Scale 2, in force from 26 Feb 2026)