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$45,804
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$47,228
−HK$1,448/mo
Today · 4.125%
HK$48,676
baseline
▲ 0.50% · 4.625%
HK$51,638
+HK$2,962/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$97,352/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$758,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,956
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,323
−HK$1,386/mo
Today · 4.125%
HK$53,709
baseline
▲ 0.50% · 4.625%
HK$56,540
+HK$2,831/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$107,418/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$758,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,964
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,674
−HK$1,737/mo
Today · 4.125%
HK$58,411
baseline
▲ 0.50% · 4.625%
HK$61,965
+HK$3,554/mo
Deposit HK$8.03M · loan HK$12.05M · min. income ≈ HK$116,822/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$758,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,147
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,787
−HK$1,664/mo
Today · 4.125%
HK$64,451
baseline
▲ 0.50% · 4.625%
HK$67,848
+HK$3,397/mo
Deposit HK$8.03M · loan HK$12.05M · min. income ≈ HK$128,902/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$758,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,125
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$66,120
−HK$2,026/mo
Today · 4.125%
HK$68,146
baseline
▲ 0.50% · 4.625%
HK$72,293
+HK$4,147/mo
Deposit HK$6.03M · loan HK$14.06M · min. income ≈ HK$136,292/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$758,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,338
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$73,252
−HK$1,941/mo
Today · 4.125%
HK$75,193
baseline
▲ 0.50% · 4.625%
HK$79,156
+HK$3,963/mo
Deposit HK$6.03M · loan HK$14.06M · min. income ≈ HK$150,386/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$758,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,446
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$85,011
−HK$2,606/mo
Today · 4.125%
HK$87,617
baseline
▲ 0.50% · 4.625%
HK$92,948
+HK$5,331/mo
Deposit HK$2.01M · loan HK$18.08M · min. income ≈ HK$175,234/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$758,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,721
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$94,181
−HK$2,495/mo
Today · 4.125%
HK$96,676
baseline
▲ 0.50% · 4.625%
HK$101,772
+HK$5,096/mo
Deposit HK$2.01M · loan HK$18.08M · min. income ≈ HK$193,352/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$758,704 · Scale 2, in force from 26 Feb 2026)