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$45,819
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,244
−HK$1,448/mo
Today · 4.125%
HK$48,692
baseline
▲ 0.50% · 4.625%
HK$51,655
+HK$2,963/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$97,384/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$759,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,973
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,340
−HK$1,387/mo
Today · 4.125%
HK$53,727
baseline
▲ 0.50% · 4.625%
HK$56,559
+HK$2,832/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$107,454/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$759,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,983
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,693
−HK$1,737/mo
Today · 4.125%
HK$58,430
baseline
▲ 0.50% · 4.625%
HK$61,986
+HK$3,556/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$116,860/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$759,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,168
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,808
−HK$1,664/mo
Today · 4.125%
HK$64,472
baseline
▲ 0.50% · 4.625%
HK$67,871
+HK$3,399/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$128,944/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$759,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,146
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$66,142
−HK$2,027/mo
Today · 4.125%
HK$68,169
baseline
▲ 0.50% · 4.625%
HK$72,317
+HK$4,148/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$136,338/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$759,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,362
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$73,276
−HK$1,942/mo
Today · 4.125%
HK$75,218
baseline
▲ 0.50% · 4.625%
HK$79,182
+HK$3,964/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$150,436/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$759,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,474
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$85,039
−HK$2,607/mo
Today · 4.125%
HK$87,646
baseline
▲ 0.50% · 4.625%
HK$92,979
+HK$5,333/mo
Deposit HK$2.01M · loan HK$18.08M · min. income ≈ HK$175,292/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$759,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,751
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$94,212
−HK$2,496/mo
Today · 4.125%
HK$96,708
baseline
▲ 0.50% · 4.625%
HK$101,806
+HK$5,098/mo
Deposit HK$2.01M · loan HK$18.08M · min. income ≈ HK$193,416/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$759,370 · Scale 2, in force from 26 Feb 2026)