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$45,753
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$47,176
−HK$1,446/mo
Today · 4.125%
HK$48,622
baseline
▲ 0.50% · 4.625%
HK$51,581
+HK$2,959/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$97,244/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$756,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,900
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,265
−HK$1,385/mo
Today · 4.125%
HK$53,650
baseline
▲ 0.50% · 4.625%
HK$56,478
+HK$2,828/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$107,300/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$756,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,904
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,611
−HK$1,736/mo
Today · 4.125%
HK$58,347
baseline
▲ 0.50% · 4.625%
HK$61,897
+HK$3,550/mo
Deposit HK$8.03M · loan HK$12.04M · min. income ≈ HK$116,694/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$756,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,080
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,718
−HK$1,662/mo
Today · 4.125%
HK$64,380
baseline
▲ 0.50% · 4.625%
HK$67,773
+HK$3,393/mo
Deposit HK$8.03M · loan HK$12.04M · min. income ≈ HK$128,760/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$756,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,054
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$66,047
−HK$2,024/mo
Today · 4.125%
HK$68,071
baseline
▲ 0.50% · 4.625%
HK$72,213
+HK$4,142/mo
Deposit HK$6.02M · loan HK$14.05M · min. income ≈ HK$136,142/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$756,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,260
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$73,171
−HK$1,939/mo
Today · 4.125%
HK$75,110
baseline
▲ 0.50% · 4.625%
HK$79,069
+HK$3,959/mo
Deposit HK$6.02M · loan HK$14.05M · min. income ≈ HK$150,220/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$756,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,355
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$84,917
−HK$2,603/mo
Today · 4.125%
HK$87,520
baseline
▲ 0.50% · 4.625%
HK$92,845
+HK$5,325/mo
Deposit HK$2.01M · loan HK$18.06M · min. income ≈ HK$175,040/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$756,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,620
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$94,077
−HK$2,492/mo
Today · 4.125%
HK$96,569
baseline
▲ 0.50% · 4.625%
HK$101,660
+HK$5,091/mo
Deposit HK$2.01M · loan HK$18.06M · min. income ≈ HK$193,138/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$756,485 · Scale 2, in force from 26 Feb 2026)