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$45,849
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$47,276
−HK$1,449/mo
Today · 4.125%
HK$48,725
baseline
▲ 0.50% · 4.625%
HK$51,689
+HK$2,964/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$97,450/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$760,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,007
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,375
−HK$1,388/mo
Today · 4.125%
HK$53,763
baseline
▲ 0.50% · 4.625%
HK$56,597
+HK$2,834/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$107,526/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$760,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,019
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$56,731
−HK$1,739/mo
Today · 4.125%
HK$58,470
baseline
▲ 0.50% · 4.625%
HK$62,027
+HK$3,557/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$116,940/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$760,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,209
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$62,850
−HK$1,665/mo
Today · 4.125%
HK$64,515
baseline
▲ 0.50% · 4.625%
HK$67,916
+HK$3,401/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$129,030/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$760,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,189
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$66,186
−HK$2,029/mo
Today · 4.125%
HK$68,215
baseline
▲ 0.50% · 4.625%
HK$72,365
+HK$4,150/mo
Deposit HK$6.03M · loan HK$14.08M · min. income ≈ HK$136,430/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$760,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,410
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$73,325
−HK$1,943/mo
Today · 4.125%
HK$75,268
baseline
▲ 0.50% · 4.625%
HK$79,235
+HK$3,967/mo
Deposit HK$6.03M · loan HK$14.08M · min. income ≈ HK$150,536/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$760,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,529
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$85,096
−HK$2,608/mo
Today · 4.125%
HK$87,704
baseline
▲ 0.50% · 4.625%
HK$93,041
+HK$5,337/mo
Deposit HK$2.01M · loan HK$18.10M · min. income ≈ HK$175,408/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$760,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,813
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$94,275
−HK$2,498/mo
Today · 4.125%
HK$96,773
baseline
▲ 0.50% · 4.625%
HK$101,874
+HK$5,101/mo
Deposit HK$2.01M · loan HK$18.10M · min. income ≈ HK$193,546/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$760,717 · Scale 2, in force from 26 Feb 2026)