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$45,850
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$47,277
−HK$1,449/mo
Today · 4.125%
HK$48,726
baseline
▲ 0.50% · 4.625%
HK$51,691
+HK$2,965/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$97,452/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$760,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,008
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,376
−HK$1,388/mo
Today · 4.125%
HK$53,764
baseline
▲ 0.50% · 4.625%
HK$56,598
+HK$2,834/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$107,528/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$760,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,021
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$56,732
−HK$1,739/mo
Today · 4.125%
HK$58,471
baseline
▲ 0.50% · 4.625%
HK$62,029
+HK$3,558/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$116,942/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$760,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,210
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$62,851
−HK$1,666/mo
Today · 4.125%
HK$64,517
baseline
▲ 0.50% · 4.625%
HK$67,918
+HK$3,401/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$129,034/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$760,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,191
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$66,187
−HK$2,029/mo
Today · 4.125%
HK$68,216
baseline
▲ 0.50% · 4.625%
HK$72,367
+HK$4,151/mo
Deposit HK$6.03M · loan HK$14.08M · min. income ≈ HK$136,432/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$760,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,411
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,327
−HK$1,943/mo
Today · 4.125%
HK$75,270
baseline
▲ 0.50% · 4.625%
HK$79,237
+HK$3,967/mo
Deposit HK$6.03M · loan HK$14.08M · min. income ≈ HK$150,540/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$760,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,531
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$85,098
−HK$2,608/mo
Today · 4.125%
HK$87,706
baseline
▲ 0.50% · 4.625%
HK$93,043
+HK$5,337/mo
Deposit HK$2.01M · loan HK$18.10M · min. income ≈ HK$175,412/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$760,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,815
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$94,277
−HK$2,498/mo
Today · 4.125%
HK$96,775
baseline
▲ 0.50% · 4.625%
HK$101,876
+HK$5,101/mo
Deposit HK$2.01M · loan HK$18.10M · min. income ≈ HK$193,550/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$760,759 · Scale 2, in force from 26 Feb 2026)