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$45,812
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,237
−HK$1,448/mo
Today · 4.125%
HK$48,685
baseline
▲ 0.50% · 4.625%
HK$51,648
+HK$2,963/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$97,370/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$759,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,966
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,333
−HK$1,386/mo
Today · 4.125%
HK$53,719
baseline
▲ 0.50% · 4.625%
HK$56,551
+HK$2,832/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$107,438/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$759,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,975
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,685
−HK$1,737/mo
Today · 4.125%
HK$58,422
baseline
▲ 0.50% · 4.625%
HK$61,977
+HK$3,555/mo
Deposit HK$8.04M · loan HK$12.05M · min. income ≈ HK$116,844/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$759,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,159
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,799
−HK$1,664/mo
Today · 4.125%
HK$64,463
baseline
▲ 0.50% · 4.625%
HK$67,861
+HK$3,398/mo
Deposit HK$8.04M · loan HK$12.05M · min. income ≈ HK$128,926/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$759,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,137
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$66,132
−HK$2,027/mo
Today · 4.125%
HK$68,159
baseline
▲ 0.50% · 4.625%
HK$72,307
+HK$4,148/mo
Deposit HK$6.03M · loan HK$14.06M · min. income ≈ HK$136,318/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$759,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,352
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$73,266
−HK$1,941/mo
Today · 4.125%
HK$75,207
baseline
▲ 0.50% · 4.625%
HK$79,171
+HK$3,964/mo
Deposit HK$6.03M · loan HK$14.06M · min. income ≈ HK$150,414/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$759,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,462
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$85,027
−HK$2,606/mo
Today · 4.125%
HK$87,633
baseline
▲ 0.50% · 4.625%
HK$92,966
+HK$5,333/mo
Deposit HK$2.01M · loan HK$18.08M · min. income ≈ HK$175,266/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$759,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,739
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$94,199
−HK$2,496/mo
Today · 4.125%
HK$96,695
baseline
▲ 0.50% · 4.625%
HK$101,792
+HK$5,097/mo
Deposit HK$2.01M · loan HK$18.08M · min. income ≈ HK$193,390/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$759,092 · Scale 2, in force from 26 Feb 2026)