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$45,730
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,153
−HK$1,445/mo
Today · 4.125%
HK$48,598
baseline
▲ 0.50% · 4.625%
HK$51,555
+HK$2,957/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$97,196/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$755,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,874
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,239
−HK$1,384/mo
Today · 4.125%
HK$53,623
baseline
▲ 0.50% · 4.625%
HK$56,449
+HK$2,826/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$107,246/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$755,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,876
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$56,583
−HK$1,734/mo
Today · 4.125%
HK$58,317
baseline
▲ 0.50% · 4.625%
HK$61,866
+HK$3,549/mo
Deposit HK$8.02M · loan HK$12.03M · min. income ≈ HK$116,634/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$755,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,049
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,686
−HK$1,661/mo
Today · 4.125%
HK$64,347
baseline
▲ 0.50% · 4.625%
HK$67,739
+HK$3,392/mo
Deposit HK$8.02M · loan HK$12.03M · min. income ≈ HK$128,694/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$755,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,022
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$66,014
−HK$2,023/mo
Today · 4.125%
HK$68,037
baseline
▲ 0.50% · 4.625%
HK$72,177
+HK$4,140/mo
Deposit HK$6.02M · loan HK$14.04M · min. income ≈ HK$136,074/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$755,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,224
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$73,134
−HK$1,938/mo
Today · 4.125%
HK$75,072
baseline
▲ 0.50% · 4.625%
HK$79,029
+HK$3,957/mo
Deposit HK$6.02M · loan HK$14.04M · min. income ≈ HK$150,144/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$755,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,314
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$84,875
−HK$2,601/mo
Today · 4.125%
HK$87,476
baseline
▲ 0.50% · 4.625%
HK$92,799
+HK$5,323/mo
Deposit HK$2.01M · loan HK$18.05M · min. income ≈ HK$174,952/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$755,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,574
−HK$4,947/mo
▼ 0.25% · 3.875%
HK$94,030
−HK$2,491/mo
Today · 4.125%
HK$96,521
baseline
▲ 0.50% · 4.625%
HK$101,609
+HK$5,088/mo
Deposit HK$2.01M · loan HK$18.05M · min. income ≈ HK$193,042/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$755,480 · Scale 2, in force from 26 Feb 2026)