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$45,832
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,257
−HK$1,449/mo
Today · 4.125%
HK$48,706
baseline
▲ 0.50% · 4.625%
HK$51,669
+HK$2,963/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$97,412/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$759,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,987
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,355
−HK$1,387/mo
Today · 4.125%
HK$53,742
baseline
▲ 0.50% · 4.625%
HK$56,575
+HK$2,833/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$107,484/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$759,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,998
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,709
−HK$1,738/mo
Today · 4.125%
HK$58,447
baseline
▲ 0.50% · 4.625%
HK$62,003
+HK$3,556/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$116,894/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$759,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,185
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,826
−HK$1,664/mo
Today · 4.125%
HK$64,490
baseline
▲ 0.50% · 4.625%
HK$67,890
+HK$3,400/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$128,980/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$759,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,164
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$66,160
−HK$2,028/mo
Today · 4.125%
HK$68,188
baseline
▲ 0.50% · 4.625%
HK$72,337
+HK$4,149/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$136,376/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$759,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,382
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$73,297
−HK$1,942/mo
Today · 4.125%
HK$75,239
baseline
▲ 0.50% · 4.625%
HK$79,205
+HK$3,966/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$150,478/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$759,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,497
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$85,063
−HK$2,607/mo
Today · 4.125%
HK$87,670
baseline
▲ 0.50% · 4.625%
HK$93,005
+HK$5,335/mo
Deposit HK$2.01M · loan HK$18.09M · min. income ≈ HK$175,340/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$759,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,777
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$94,239
−HK$2,497/mo
Today · 4.125%
HK$96,736
baseline
▲ 0.50% · 4.625%
HK$101,835
+HK$5,099/mo
Deposit HK$2.01M · loan HK$18.09M · min. income ≈ HK$193,472/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$759,936 · Scale 2, in force from 26 Feb 2026)