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$45,731
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,153
−HK$1,446/mo
Today · 4.125%
HK$48,599
baseline
▲ 0.50% · 4.625%
HK$51,556
+HK$2,957/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$97,198/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$755,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,875
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,240
−HK$1,384/mo
Today · 4.125%
HK$53,624
baseline
▲ 0.50% · 4.625%
HK$56,450
+HK$2,826/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$107,248/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$755,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,877
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$56,584
−HK$1,734/mo
Today · 4.125%
HK$58,318
baseline
▲ 0.50% · 4.625%
HK$61,867
+HK$3,549/mo
Deposit HK$8.02M · loan HK$12.03M · min. income ≈ HK$116,636/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$755,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,050
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,688
−HK$1,661/mo
Today · 4.125%
HK$64,349
baseline
▲ 0.50% · 4.625%
HK$67,741
+HK$3,392/mo
Deposit HK$8.02M · loan HK$12.03M · min. income ≈ HK$128,698/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$755,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,023
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$66,015
−HK$2,023/mo
Today · 4.125%
HK$68,038
baseline
▲ 0.50% · 4.625%
HK$72,178
+HK$4,140/mo
Deposit HK$6.02M · loan HK$14.04M · min. income ≈ HK$136,076/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$755,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,225
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$73,136
−HK$1,937/mo
Today · 4.125%
HK$75,073
baseline
▲ 0.50% · 4.625%
HK$79,031
+HK$3,958/mo
Deposit HK$6.02M · loan HK$14.04M · min. income ≈ HK$150,146/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$755,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,316
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$84,876
−HK$2,602/mo
Today · 4.125%
HK$87,478
baseline
▲ 0.50% · 4.625%
HK$92,800
+HK$5,322/mo
Deposit HK$2.01M · loan HK$18.05M · min. income ≈ HK$174,956/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$755,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,575
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$94,031
−HK$2,492/mo
Today · 4.125%
HK$96,523
baseline
▲ 0.50% · 4.625%
HK$101,611
+HK$5,088/mo
Deposit HK$2.01M · loan HK$18.05M · min. income ≈ HK$193,046/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$755,518 · Scale 2, in force from 26 Feb 2026)