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$45,739
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,161
−HK$1,446/mo
Today · 4.125%
HK$48,607
baseline
▲ 0.50% · 4.625%
HK$51,565
+HK$2,958/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$97,214/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$755,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,884
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,249
−HK$1,384/mo
Today · 4.125%
HK$53,633
baseline
▲ 0.50% · 4.625%
HK$56,460
+HK$2,827/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$107,266/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$755,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,886
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,594
−HK$1,734/mo
Today · 4.125%
HK$58,328
baseline
▲ 0.50% · 4.625%
HK$61,877
+HK$3,549/mo
Deposit HK$8.02M · loan HK$12.04M · min. income ≈ HK$116,656/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$755,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,061
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,698
−HK$1,662/mo
Today · 4.125%
HK$64,360
baseline
▲ 0.50% · 4.625%
HK$67,752
+HK$3,392/mo
Deposit HK$8.02M · loan HK$12.04M · min. income ≈ HK$128,720/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$755,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,034
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$66,026
−HK$2,024/mo
Today · 4.125%
HK$68,050
baseline
▲ 0.50% · 4.625%
HK$72,190
+HK$4,140/mo
Deposit HK$6.02M · loan HK$14.04M · min. income ≈ HK$136,100/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$755,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,237
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$73,148
−HK$1,938/mo
Today · 4.125%
HK$75,086
baseline
▲ 0.50% · 4.625%
HK$79,044
+HK$3,958/mo
Deposit HK$6.02M · loan HK$14.04M · min. income ≈ HK$150,172/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$755,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,330
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$84,891
−HK$2,602/mo
Today · 4.125%
HK$87,493
baseline
▲ 0.50% · 4.625%
HK$92,816
+HK$5,323/mo
Deposit HK$2.01M · loan HK$18.05M · min. income ≈ HK$174,986/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$755,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,591
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$94,047
−HK$2,492/mo
Today · 4.125%
HK$96,539
baseline
▲ 0.50% · 4.625%
HK$101,628
+HK$5,089/mo
Deposit HK$2.01M · loan HK$18.05M · min. income ≈ HK$193,078/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$755,859 · Scale 2, in force from 26 Feb 2026)