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$45,741
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$47,164
−HK$1,446/mo
Today · 4.125%
HK$48,610
baseline
▲ 0.50% · 4.625%
HK$51,568
+HK$2,958/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$97,220/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$755,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,887
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,252
−HK$1,384/mo
Today · 4.125%
HK$53,636
baseline
▲ 0.50% · 4.625%
HK$56,463
+HK$2,827/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$107,272/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$755,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,890
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,597
−HK$1,735/mo
Today · 4.125%
HK$58,332
baseline
▲ 0.50% · 4.625%
HK$61,881
+HK$3,549/mo
Deposit HK$8.02M · loan HK$12.04M · min. income ≈ HK$116,664/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$755,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,064
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,702
−HK$1,661/mo
Today · 4.125%
HK$64,363
baseline
▲ 0.50% · 4.625%
HK$67,756
+HK$3,393/mo
Deposit HK$8.02M · loan HK$12.04M · min. income ≈ HK$128,726/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$755,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,038
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$66,030
−HK$2,024/mo
Today · 4.125%
HK$68,054
baseline
▲ 0.50% · 4.625%
HK$72,195
+HK$4,141/mo
Deposit HK$6.02M · loan HK$14.04M · min. income ≈ HK$136,108/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$755,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,242
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$73,152
−HK$1,939/mo
Today · 4.125%
HK$75,091
baseline
▲ 0.50% · 4.625%
HK$79,049
+HK$3,958/mo
Deposit HK$6.02M · loan HK$14.04M · min. income ≈ HK$150,182/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$755,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,335
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$84,896
−HK$2,602/mo
Today · 4.125%
HK$87,498
baseline
▲ 0.50% · 4.625%
HK$92,822
+HK$5,324/mo
Deposit HK$2.01M · loan HK$18.05M · min. income ≈ HK$174,996/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$755,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,596
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$94,053
−HK$2,492/mo
Today · 4.125%
HK$96,545
baseline
▲ 0.50% · 4.625%
HK$101,634
+HK$5,089/mo
Deposit HK$2.01M · loan HK$18.05M · min. income ≈ HK$193,090/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$755,977 · Scale 2, in force from 26 Feb 2026)