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$45,691
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,112
−HK$1,444/mo
Today · 4.125%
HK$48,556
baseline
▲ 0.50% · 4.625%
HK$51,510
+HK$2,954/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$97,112/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$753,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,830
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,194
−HK$1,383/mo
Today · 4.125%
HK$53,577
baseline
▲ 0.50% · 4.625%
HK$56,401
+HK$2,824/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$107,154/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$753,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,829
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$56,534
−HK$1,733/mo
Today · 4.125%
HK$58,267
baseline
▲ 0.50% · 4.625%
HK$61,812
+HK$3,545/mo
Deposit HK$8.02M · loan HK$12.02M · min. income ≈ HK$116,534/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$753,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,997
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,632
−HK$1,660/mo
Today · 4.125%
HK$64,292
baseline
▲ 0.50% · 4.625%
HK$67,681
+HK$3,389/mo
Deposit HK$8.02M · loan HK$12.02M · min. income ≈ HK$128,584/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$753,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,967
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$65,957
−HK$2,021/mo
Today · 4.125%
HK$67,978
baseline
▲ 0.50% · 4.625%
HK$72,115
+HK$4,137/mo
Deposit HK$6.01M · loan HK$14.03M · min. income ≈ HK$135,956/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$753,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,163
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$73,071
−HK$1,936/mo
Today · 4.125%
HK$75,007
baseline
▲ 0.50% · 4.625%
HK$78,961
+HK$3,954/mo
Deposit HK$6.01M · loan HK$14.03M · min. income ≈ HK$150,014/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$753,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,243
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$84,801
−HK$2,600/mo
Today · 4.125%
HK$87,401
baseline
▲ 0.50% · 4.625%
HK$92,719
+HK$5,318/mo
Deposit HK$2.00M · loan HK$18.03M · min. income ≈ HK$174,802/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$753,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,495
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$93,949
−HK$2,489/mo
Today · 4.125%
HK$96,438
baseline
▲ 0.50% · 4.625%
HK$101,521
+HK$5,083/mo
Deposit HK$2.00M · loan HK$18.03M · min. income ≈ HK$192,876/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$753,752 · Scale 2, in force from 26 Feb 2026)