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$45,676
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,097
−HK$1,444/mo
Today · 4.125%
HK$48,541
baseline
▲ 0.50% · 4.625%
HK$51,494
+HK$2,953/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$97,082/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$753,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,814
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,177
−HK$1,383/mo
Today · 4.125%
HK$53,560
baseline
▲ 0.50% · 4.625%
HK$56,383
+HK$2,823/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$107,120/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$753,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,811
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$56,516
−HK$1,733/mo
Today · 4.125%
HK$58,249
baseline
▲ 0.50% · 4.625%
HK$61,793
+HK$3,544/mo
Deposit HK$8.01M · loan HK$12.02M · min. income ≈ HK$116,498/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$753,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,977
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,613
−HK$1,659/mo
Today · 4.125%
HK$64,272
baseline
▲ 0.50% · 4.625%
HK$67,659
+HK$3,387/mo
Deposit HK$8.01M · loan HK$12.02M · min. income ≈ HK$128,544/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$753,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,947
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$65,936
−HK$2,021/mo
Today · 4.125%
HK$67,957
baseline
▲ 0.50% · 4.625%
HK$72,092
+HK$4,135/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$135,914/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$753,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,140
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$73,048
−HK$1,936/mo
Today · 4.125%
HK$74,984
baseline
▲ 0.50% · 4.625%
HK$78,936
+HK$3,952/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$149,968/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$753,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,217
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$84,775
−HK$2,598/mo
Today · 4.125%
HK$87,373
baseline
▲ 0.50% · 4.625%
HK$92,689
+HK$5,316/mo
Deposit HK$2.00M · loan HK$18.03M · min. income ≈ HK$174,746/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$753,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,466
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$93,919
−HK$2,488/mo
Today · 4.125%
HK$96,407
baseline
▲ 0.50% · 4.625%
HK$101,489
+HK$5,082/mo
Deposit HK$2.00M · loan HK$18.03M · min. income ≈ HK$192,814/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$753,118 · Scale 2, in force from 26 Feb 2026)