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$45,826
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,252
−HK$1,448/mo
Today · 4.125%
HK$48,700
baseline
▲ 0.50% · 4.625%
HK$51,663
+HK$2,963/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$97,400/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$759,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,981
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,348
−HK$1,387/mo
Today · 4.125%
HK$53,735
baseline
▲ 0.50% · 4.625%
HK$56,568
+HK$2,833/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$107,470/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$759,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,991
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,702
−HK$1,738/mo
Today · 4.125%
HK$58,440
baseline
▲ 0.50% · 4.625%
HK$61,996
+HK$3,556/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$116,880/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$759,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,177
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$62,818
−HK$1,665/mo
Today · 4.125%
HK$64,483
baseline
▲ 0.50% · 4.625%
HK$67,882
+HK$3,399/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$128,966/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$759,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,157
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$66,152
−HK$2,028/mo
Today · 4.125%
HK$68,180
baseline
▲ 0.50% · 4.625%
HK$72,328
+HK$4,148/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$136,360/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$759,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,374
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$73,288
−HK$1,942/mo
Today · 4.125%
HK$75,230
baseline
▲ 0.50% · 4.625%
HK$79,195
+HK$3,965/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$150,460/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$759,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,487
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$85,053
−HK$2,607/mo
Today · 4.125%
HK$87,660
baseline
▲ 0.50% · 4.625%
HK$92,994
+HK$5,334/mo
Deposit HK$2.01M · loan HK$18.09M · min. income ≈ HK$175,320/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$759,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,766
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$94,227
−HK$2,497/mo
Today · 4.125%
HK$96,724
baseline
▲ 0.50% · 4.625%
HK$101,822
+HK$5,098/mo
Deposit HK$2.01M · loan HK$18.09M · min. income ≈ HK$193,448/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$759,693 · Scale 2, in force from 26 Feb 2026)