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$45,823
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,248
−HK$1,448/mo
Today · 4.125%
HK$48,696
baseline
▲ 0.50% · 4.625%
HK$51,659
+HK$2,963/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$97,392/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$759,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,977
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,345
−HK$1,387/mo
Today · 4.125%
HK$53,732
baseline
▲ 0.50% · 4.625%
HK$56,564
+HK$2,832/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$107,464/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$759,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,987
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,698
−HK$1,738/mo
Today · 4.125%
HK$58,436
baseline
▲ 0.50% · 4.625%
HK$61,991
+HK$3,555/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$116,872/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$759,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,173
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,814
−HK$1,664/mo
Today · 4.125%
HK$64,478
baseline
▲ 0.50% · 4.625%
HK$67,877
+HK$3,399/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$128,956/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$759,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,152
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$66,147
−HK$2,028/mo
Today · 4.125%
HK$68,175
baseline
▲ 0.50% · 4.625%
HK$72,323
+HK$4,148/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$136,350/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$759,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,368
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$73,282
−HK$1,942/mo
Today · 4.125%
HK$75,224
baseline
▲ 0.50% · 4.625%
HK$79,189
+HK$3,965/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$150,448/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$759,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,481
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$85,047
−HK$2,606/mo
Today · 4.125%
HK$87,653
baseline
▲ 0.50% · 4.625%
HK$92,987
+HK$5,334/mo
Deposit HK$2.01M · loan HK$18.09M · min. income ≈ HK$175,306/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$759,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,759
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$94,220
−HK$2,497/mo
Today · 4.125%
HK$96,717
baseline
▲ 0.50% · 4.625%
HK$101,815
+HK$5,098/mo
Deposit HK$2.01M · loan HK$18.09M · min. income ≈ HK$193,434/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$759,546 · Scale 2, in force from 26 Feb 2026)