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$45,719
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,141
−HK$1,445/mo
Today · 4.125%
HK$48,586
baseline
▲ 0.50% · 4.625%
HK$51,542
+HK$2,956/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$97,172/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$754,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,862
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,226
−HK$1,384/mo
Today · 4.125%
HK$53,610
baseline
▲ 0.50% · 4.625%
HK$56,436
+HK$2,826/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$107,220/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$754,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,863
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,569
−HK$1,734/mo
Today · 4.125%
HK$58,303
baseline
▲ 0.50% · 4.625%
HK$61,851
+HK$3,548/mo
Deposit HK$8.02M · loan HK$12.03M · min. income ≈ HK$116,606/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$754,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,034
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,671
−HK$1,661/mo
Today · 4.125%
HK$64,332
baseline
▲ 0.50% · 4.625%
HK$67,723
+HK$3,391/mo
Deposit HK$8.02M · loan HK$12.03M · min. income ≈ HK$128,664/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$754,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,006
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$65,997
−HK$2,023/mo
Today · 4.125%
HK$68,020
baseline
▲ 0.50% · 4.625%
HK$72,159
+HK$4,139/mo
Deposit HK$6.01M · loan HK$14.03M · min. income ≈ HK$136,040/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$754,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,207
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$73,116
−HK$1,938/mo
Today · 4.125%
HK$75,054
baseline
▲ 0.50% · 4.625%
HK$79,010
+HK$3,956/mo
Deposit HK$6.01M · loan HK$14.03M · min. income ≈ HK$150,108/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$754,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,294
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$84,854
−HK$2,601/mo
Today · 4.125%
HK$87,455
baseline
▲ 0.50% · 4.625%
HK$92,776
+HK$5,321/mo
Deposit HK$2.00M · loan HK$18.04M · min. income ≈ HK$174,910/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$754,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,551
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$94,007
−HK$2,490/mo
Today · 4.125%
HK$96,497
baseline
▲ 0.50% · 4.625%
HK$101,584
+HK$5,087/mo
Deposit HK$2.00M · loan HK$18.04M · min. income ≈ HK$192,994/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$754,989 · Scale 2, in force from 26 Feb 2026)