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$45,704
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,126
−HK$1,444/mo
Today · 4.125%
HK$48,570
baseline
▲ 0.50% · 4.625%
HK$51,525
+HK$2,955/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$97,140/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$754,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,845
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,209
−HK$1,383/mo
Today · 4.125%
HK$53,592
baseline
▲ 0.50% · 4.625%
HK$56,417
+HK$2,825/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$107,184/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$754,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,845
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,551
−HK$1,733/mo
Today · 4.125%
HK$58,284
baseline
▲ 0.50% · 4.625%
HK$61,830
+HK$3,546/mo
Deposit HK$8.02M · loan HK$12.03M · min. income ≈ HK$116,568/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$754,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,014
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$62,651
−HK$1,660/mo
Today · 4.125%
HK$64,311
baseline
▲ 0.50% · 4.625%
HK$67,701
+HK$3,390/mo
Deposit HK$8.02M · loan HK$12.03M · min. income ≈ HK$128,622/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$754,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,986
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$65,976
−HK$2,022/mo
Today · 4.125%
HK$67,998
baseline
▲ 0.50% · 4.625%
HK$72,136
+HK$4,138/mo
Deposit HK$6.01M · loan HK$14.03M · min. income ≈ HK$135,996/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$754,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,183
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$73,092
−HK$1,937/mo
Today · 4.125%
HK$75,029
baseline
▲ 0.50% · 4.625%
HK$78,984
+HK$3,955/mo
Deposit HK$6.01M · loan HK$14.03M · min. income ≈ HK$150,058/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$754,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,267
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$84,826
−HK$2,600/mo
Today · 4.125%
HK$87,426
baseline
▲ 0.50% · 4.625%
HK$92,746
+HK$5,320/mo
Deposit HK$2.00M · loan HK$18.04M · min. income ≈ HK$174,852/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$754,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,521
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$93,976
−HK$2,490/mo
Today · 4.125%
HK$96,466
baseline
▲ 0.50% · 4.625%
HK$101,551
+HK$5,085/mo
Deposit HK$2.00M · loan HK$18.04M · min. income ≈ HK$192,932/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$754,336 · Scale 2, in force from 26 Feb 2026)