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$45,725
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,148
−HK$1,445/mo
Today · 4.125%
HK$48,593
baseline
▲ 0.50% · 4.625%
HK$51,550
+HK$2,957/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$97,186/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$755,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,869
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,233
−HK$1,384/mo
Today · 4.125%
HK$53,617
baseline
▲ 0.50% · 4.625%
HK$56,444
+HK$2,827/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$107,234/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$755,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,871
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,577
−HK$1,734/mo
Today · 4.125%
HK$58,311
baseline
▲ 0.50% · 4.625%
HK$61,859
+HK$3,548/mo
Deposit HK$8.02M · loan HK$12.03M · min. income ≈ HK$116,622/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$755,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,043
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,680
−HK$1,661/mo
Today · 4.125%
HK$64,341
baseline
▲ 0.50% · 4.625%
HK$67,732
+HK$3,391/mo
Deposit HK$8.02M · loan HK$12.03M · min. income ≈ HK$128,682/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$755,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,016
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$66,007
−HK$2,023/mo
Today · 4.125%
HK$68,030
baseline
▲ 0.50% · 4.625%
HK$72,169
+HK$4,139/mo
Deposit HK$6.02M · loan HK$14.04M · min. income ≈ HK$136,060/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$755,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,217
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$73,127
−HK$1,937/mo
Today · 4.125%
HK$75,064
baseline
▲ 0.50% · 4.625%
HK$79,021
+HK$3,957/mo
Deposit HK$6.02M · loan HK$14.04M · min. income ≈ HK$150,128/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$755,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,306
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$84,866
−HK$2,601/mo
Today · 4.125%
HK$87,467
baseline
▲ 0.50% · 4.625%
HK$92,789
+HK$5,322/mo
Deposit HK$2.01M · loan HK$18.05M · min. income ≈ HK$174,934/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$755,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,564
−HK$4,947/mo
▼ 0.25% · 3.875%
HK$94,020
−HK$2,491/mo
Today · 4.125%
HK$96,511
baseline
▲ 0.50% · 4.625%
HK$101,599
+HK$5,088/mo
Deposit HK$2.01M · loan HK$18.05M · min. income ≈ HK$193,022/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$755,276 · Scale 2, in force from 26 Feb 2026)