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$45,699
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,121
−HK$1,444/mo
Today · 4.125%
HK$48,565
baseline
▲ 0.50% · 4.625%
HK$51,520
+HK$2,955/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$97,130/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$754,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,840
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,204
−HK$1,383/mo
Today · 4.125%
HK$53,587
baseline
▲ 0.50% · 4.625%
HK$56,412
+HK$2,825/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$107,174/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$754,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,839
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,545
−HK$1,733/mo
Today · 4.125%
HK$58,278
baseline
▲ 0.50% · 4.625%
HK$61,824
+HK$3,546/mo
Deposit HK$8.02M · loan HK$12.02M · min. income ≈ HK$116,556/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$754,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,008
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$62,644
−HK$1,660/mo
Today · 4.125%
HK$64,304
baseline
▲ 0.50% · 4.625%
HK$67,694
+HK$3,390/mo
Deposit HK$8.02M · loan HK$12.02M · min. income ≈ HK$128,608/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$754,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,979
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$65,969
−HK$2,022/mo
Today · 4.125%
HK$67,991
baseline
▲ 0.50% · 4.625%
HK$72,128
+HK$4,137/mo
Deposit HK$6.01M · loan HK$14.03M · min. income ≈ HK$135,982/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$754,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,176
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$73,085
−HK$1,937/mo
Today · 4.125%
HK$75,022
baseline
▲ 0.50% · 4.625%
HK$78,976
+HK$3,954/mo
Deposit HK$6.01M · loan HK$14.03M · min. income ≈ HK$150,044/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$754,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,259
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$84,818
−HK$2,599/mo
Today · 4.125%
HK$87,417
baseline
▲ 0.50% · 4.625%
HK$92,736
+HK$5,319/mo
Deposit HK$2.00M · loan HK$18.04M · min. income ≈ HK$174,834/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$754,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,512
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$93,967
−HK$2,489/mo
Today · 4.125%
HK$96,456
baseline
▲ 0.50% · 4.625%
HK$101,541
+HK$5,085/mo
Deposit HK$2.00M · loan HK$18.04M · min. income ≈ HK$192,912/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$754,136 · Scale 2, in force from 26 Feb 2026)