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$45,718
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,140
−HK$1,445/mo
Today · 4.125%
HK$48,585
baseline
▲ 0.50% · 4.625%
HK$51,541
+HK$2,956/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$97,170/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$754,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,861
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,225
−HK$1,384/mo
Today · 4.125%
HK$53,609
baseline
▲ 0.50% · 4.625%
HK$56,434
+HK$2,825/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$107,218/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$754,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,862
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,568
−HK$1,734/mo
Today · 4.125%
HK$58,302
baseline
▲ 0.50% · 4.625%
HK$61,849
+HK$3,547/mo
Deposit HK$8.02M · loan HK$12.03M · min. income ≈ HK$116,604/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$754,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,033
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$62,670
−HK$1,660/mo
Today · 4.125%
HK$64,330
baseline
▲ 0.50% · 4.625%
HK$67,721
+HK$3,391/mo
Deposit HK$8.02M · loan HK$12.03M · min. income ≈ HK$128,660/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$754,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,005
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$65,996
−HK$2,023/mo
Today · 4.125%
HK$68,019
baseline
▲ 0.50% · 4.625%
HK$72,158
+HK$4,139/mo
Deposit HK$6.01M · loan HK$14.03M · min. income ≈ HK$136,038/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$754,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,205
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$73,115
−HK$1,937/mo
Today · 4.125%
HK$75,052
baseline
▲ 0.50% · 4.625%
HK$79,008
+HK$3,956/mo
Deposit HK$6.01M · loan HK$14.03M · min. income ≈ HK$150,104/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$754,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,292
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$84,852
−HK$2,601/mo
Today · 4.125%
HK$87,453
baseline
▲ 0.50% · 4.625%
HK$92,774
+HK$5,321/mo
Deposit HK$2.00M · loan HK$18.04M · min. income ≈ HK$174,906/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$754,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,550
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$94,005
−HK$2,491/mo
Today · 4.125%
HK$96,496
baseline
▲ 0.50% · 4.625%
HK$101,582
+HK$5,086/mo
Deposit HK$2.00M · loan HK$18.04M · min. income ≈ HK$192,992/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$754,951 · Scale 2, in force from 26 Feb 2026)