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$45,729
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,151
−HK$1,445/mo
Today · 4.125%
HK$48,596
baseline
▲ 0.50% · 4.625%
HK$51,553
+HK$2,957/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$97,192/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$755,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,873
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,237
−HK$1,384/mo
Today · 4.125%
HK$53,621
baseline
▲ 0.50% · 4.625%
HK$56,447
+HK$2,826/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$107,242/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$755,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,874
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$56,581
−HK$1,734/mo
Today · 4.125%
HK$58,315
baseline
▲ 0.50% · 4.625%
HK$61,864
+HK$3,549/mo
Deposit HK$8.02M · loan HK$12.03M · min. income ≈ HK$116,630/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$755,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,047
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,684
−HK$1,661/mo
Today · 4.125%
HK$64,345
baseline
▲ 0.50% · 4.625%
HK$67,737
+HK$3,392/mo
Deposit HK$8.02M · loan HK$12.03M · min. income ≈ HK$128,690/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$755,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,020
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$66,011
−HK$2,024/mo
Today · 4.125%
HK$68,035
baseline
▲ 0.50% · 4.625%
HK$72,174
+HK$4,139/mo
Deposit HK$6.02M · loan HK$14.04M · min. income ≈ HK$136,070/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$755,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,222
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$73,132
−HK$1,937/mo
Today · 4.125%
HK$75,069
baseline
▲ 0.50% · 4.625%
HK$79,026
+HK$3,957/mo
Deposit HK$6.02M · loan HK$14.04M · min. income ≈ HK$150,138/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$755,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,311
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$84,872
−HK$2,601/mo
Today · 4.125%
HK$87,473
baseline
▲ 0.50% · 4.625%
HK$92,796
+HK$5,323/mo
Deposit HK$2.01M · loan HK$18.05M · min. income ≈ HK$174,946/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$755,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,571
−HK$4,947/mo
▼ 0.25% · 3.875%
HK$94,026
−HK$2,492/mo
Today · 4.125%
HK$96,518
baseline
▲ 0.50% · 4.625%
HK$101,605
+HK$5,087/mo
Deposit HK$2.01M · loan HK$18.05M · min. income ≈ HK$193,036/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$755,412 · Scale 2, in force from 26 Feb 2026)