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$45,750
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$47,173
−HK$1,446/mo
Today · 4.125%
HK$48,619
baseline
▲ 0.50% · 4.625%
HK$51,577
+HK$2,958/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$97,238/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$756,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,896
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,261
−HK$1,385/mo
Today · 4.125%
HK$53,646
baseline
▲ 0.50% · 4.625%
HK$56,474
+HK$2,828/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$107,292/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$756,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,900
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,607
−HK$1,735/mo
Today · 4.125%
HK$58,342
baseline
▲ 0.50% · 4.625%
HK$61,892
+HK$3,550/mo
Deposit HK$8.03M · loan HK$12.04M · min. income ≈ HK$116,684/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$756,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,075
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,713
−HK$1,662/mo
Today · 4.125%
HK$64,375
baseline
▲ 0.50% · 4.625%
HK$67,768
+HK$3,393/mo
Deposit HK$8.03M · loan HK$12.04M · min. income ≈ HK$128,750/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$756,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,050
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$66,042
−HK$2,024/mo
Today · 4.125%
HK$68,066
baseline
▲ 0.50% · 4.625%
HK$72,208
+HK$4,142/mo
Deposit HK$6.02M · loan HK$14.04M · min. income ≈ HK$136,132/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$756,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,254
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$73,165
−HK$1,939/mo
Today · 4.125%
HK$75,104
baseline
▲ 0.50% · 4.625%
HK$79,063
+HK$3,959/mo
Deposit HK$6.02M · loan HK$14.04M · min. income ≈ HK$150,208/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$756,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,349
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$84,911
−HK$2,602/mo
Today · 4.125%
HK$87,513
baseline
▲ 0.50% · 4.625%
HK$92,838
+HK$5,325/mo
Deposit HK$2.01M · loan HK$18.06M · min. income ≈ HK$175,026/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$756,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,613
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$94,070
−HK$2,492/mo
Today · 4.125%
HK$96,562
baseline
▲ 0.50% · 4.625%
HK$101,652
+HK$5,090/mo
Deposit HK$2.01M · loan HK$18.06M · min. income ≈ HK$193,124/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$756,340 · Scale 2, in force from 26 Feb 2026)