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$45,712
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,134
−HK$1,444/mo
Today · 4.125%
HK$48,578
baseline
▲ 0.50% · 4.625%
HK$51,534
+HK$2,956/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$97,156/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$754,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,854
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,218
−HK$1,383/mo
Today · 4.125%
HK$53,601
baseline
▲ 0.50% · 4.625%
HK$56,427
+HK$2,826/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$107,202/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$754,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,854
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,560
−HK$1,734/mo
Today · 4.125%
HK$58,294
baseline
▲ 0.50% · 4.625%
HK$61,841
+HK$3,547/mo
Deposit HK$8.02M · loan HK$12.03M · min. income ≈ HK$116,588/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$754,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,024
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$62,661
−HK$1,660/mo
Today · 4.125%
HK$64,321
baseline
▲ 0.50% · 4.625%
HK$67,712
+HK$3,391/mo
Deposit HK$8.02M · loan HK$12.03M · min. income ≈ HK$128,642/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$754,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,996
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$65,987
−HK$2,022/mo
Today · 4.125%
HK$68,009
baseline
▲ 0.50% · 4.625%
HK$72,148
+HK$4,139/mo
Deposit HK$6.01M · loan HK$14.03M · min. income ≈ HK$136,018/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$754,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,195
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$73,105
−HK$1,937/mo
Today · 4.125%
HK$75,042
baseline
▲ 0.50% · 4.625%
HK$78,997
+HK$3,955/mo
Deposit HK$6.01M · loan HK$14.03M · min. income ≈ HK$150,084/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$754,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,281
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$84,840
−HK$2,601/mo
Today · 4.125%
HK$87,441
baseline
▲ 0.50% · 4.625%
HK$92,761
+HK$5,320/mo
Deposit HK$2.00M · loan HK$18.04M · min. income ≈ HK$174,882/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$754,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,537
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$93,992
−HK$2,490/mo
Today · 4.125%
HK$96,482
baseline
▲ 0.50% · 4.625%
HK$101,568
+HK$5,086/mo
Deposit HK$2.00M · loan HK$18.04M · min. income ≈ HK$192,964/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$754,670 · Scale 2, in force from 26 Feb 2026)