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$45,675
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,096
−HK$1,443/mo
Today · 4.125%
HK$48,539
baseline
▲ 0.50% · 4.625%
HK$51,493
+HK$2,954/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$97,078/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$753,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,813
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,176
−HK$1,382/mo
Today · 4.125%
HK$53,558
baseline
▲ 0.50% · 4.625%
HK$56,381
+HK$2,823/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$107,116/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$753,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,810
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$56,515
−HK$1,732/mo
Today · 4.125%
HK$58,247
baseline
▲ 0.50% · 4.625%
HK$61,791
+HK$3,544/mo
Deposit HK$8.01M · loan HK$12.02M · min. income ≈ HK$116,494/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$753,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,976
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,611
−HK$1,659/mo
Today · 4.125%
HK$64,270
baseline
▲ 0.50% · 4.625%
HK$67,658
+HK$3,388/mo
Deposit HK$8.01M · loan HK$12.02M · min. income ≈ HK$128,540/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$753,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,945
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$65,934
−HK$2,021/mo
Today · 4.125%
HK$67,955
baseline
▲ 0.50% · 4.625%
HK$72,090
+HK$4,135/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$135,910/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$753,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,138
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$73,046
−HK$1,936/mo
Today · 4.125%
HK$74,982
baseline
▲ 0.50% · 4.625%
HK$78,934
+HK$3,952/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$149,964/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$753,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,215
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$84,772
−HK$2,599/mo
Today · 4.125%
HK$87,371
baseline
▲ 0.50% · 4.625%
HK$92,687
+HK$5,316/mo
Deposit HK$2.00M · loan HK$18.03M · min. income ≈ HK$174,742/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$753,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,463
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$93,916
−HK$2,489/mo
Today · 4.125%
HK$96,405
baseline
▲ 0.50% · 4.625%
HK$101,487
+HK$5,082/mo
Deposit HK$2.00M · loan HK$18.03M · min. income ≈ HK$192,810/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$753,066 · Scale 2, in force from 26 Feb 2026)