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$45,747
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$47,170
−HK$1,446/mo
Today · 4.125%
HK$48,616
baseline
▲ 0.50% · 4.625%
HK$51,574
+HK$2,958/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$97,232/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$756,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,893
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,258
−HK$1,385/mo
Today · 4.125%
HK$53,643
baseline
▲ 0.50% · 4.625%
HK$56,471
+HK$2,828/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$107,286/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$756,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,897
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,604
−HK$1,735/mo
Today · 4.125%
HK$58,339
baseline
▲ 0.50% · 4.625%
HK$61,889
+HK$3,550/mo
Deposit HK$8.02M · loan HK$12.04M · min. income ≈ HK$116,678/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$756,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,072
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,710
−HK$1,662/mo
Today · 4.125%
HK$64,372
baseline
▲ 0.50% · 4.625%
HK$67,765
+HK$3,393/mo
Deposit HK$8.02M · loan HK$12.04M · min. income ≈ HK$128,744/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$756,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,046
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$66,038
−HK$2,024/mo
Today · 4.125%
HK$68,062
baseline
▲ 0.50% · 4.625%
HK$72,204
+HK$4,142/mo
Deposit HK$6.02M · loan HK$14.04M · min. income ≈ HK$136,124/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$756,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,251
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$73,162
−HK$1,938/mo
Today · 4.125%
HK$75,100
baseline
▲ 0.50% · 4.625%
HK$79,059
+HK$3,959/mo
Deposit HK$6.02M · loan HK$14.04M · min. income ≈ HK$150,200/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$756,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,345
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$84,906
−HK$2,603/mo
Today · 4.125%
HK$87,509
baseline
▲ 0.50% · 4.625%
HK$92,834
+HK$5,325/mo
Deposit HK$2.01M · loan HK$18.06M · min. income ≈ HK$175,018/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$756,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,608
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$94,065
−HK$2,492/mo
Today · 4.125%
HK$96,557
baseline
▲ 0.50% · 4.625%
HK$101,647
+HK$5,090/mo
Deposit HK$2.01M · loan HK$18.06M · min. income ≈ HK$193,114/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$756,233 · Scale 2, in force from 26 Feb 2026)