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$45,695
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,116
−HK$1,445/mo
Today · 4.125%
HK$48,561
baseline
▲ 0.50% · 4.625%
HK$51,515
+HK$2,954/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$97,122/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$753,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,835
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,199
−HK$1,383/mo
Today · 4.125%
HK$53,582
baseline
▲ 0.50% · 4.625%
HK$56,406
+HK$2,824/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$107,164/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$753,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,834
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,540
−HK$1,733/mo
Today · 4.125%
HK$58,273
baseline
▲ 0.50% · 4.625%
HK$61,818
+HK$3,545/mo
Deposit HK$8.02M · loan HK$12.02M · min. income ≈ HK$116,546/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$753,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,002
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$62,638
−HK$1,660/mo
Today · 4.125%
HK$64,298
baseline
▲ 0.50% · 4.625%
HK$67,687
+HK$3,389/mo
Deposit HK$8.02M · loan HK$12.02M · min. income ≈ HK$128,596/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$753,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,973
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$65,963
−HK$2,022/mo
Today · 4.125%
HK$67,985
baseline
▲ 0.50% · 4.625%
HK$72,121
+HK$4,136/mo
Deposit HK$6.01M · loan HK$14.03M · min. income ≈ HK$135,970/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$753,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,169
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$73,078
−HK$1,936/mo
Today · 4.125%
HK$75,014
baseline
▲ 0.50% · 4.625%
HK$78,969
+HK$3,955/mo
Deposit HK$6.01M · loan HK$14.03M · min. income ≈ HK$150,028/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$753,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,251
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$84,810
−HK$2,599/mo
Today · 4.125%
HK$87,409
baseline
▲ 0.50% · 4.625%
HK$92,728
+HK$5,319/mo
Deposit HK$2.00M · loan HK$18.04M · min. income ≈ HK$174,818/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$753,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,504
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$93,958
−HK$2,489/mo
Today · 4.125%
HK$96,447
baseline
▲ 0.50% · 4.625%
HK$101,531
+HK$5,084/mo
Deposit HK$2.00M · loan HK$18.04M · min. income ≈ HK$192,894/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$753,944 · Scale 2, in force from 26 Feb 2026)