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$45,686
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,107
−HK$1,444/mo
Today · 4.125%
HK$48,551
baseline
▲ 0.50% · 4.625%
HK$51,505
+HK$2,954/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$97,102/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$753,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,825
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,188
−HK$1,383/mo
Today · 4.125%
HK$53,571
baseline
▲ 0.50% · 4.625%
HK$56,395
+HK$2,824/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$107,142/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$753,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,823
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$56,528
−HK$1,733/mo
Today · 4.125%
HK$58,261
baseline
▲ 0.50% · 4.625%
HK$61,806
+HK$3,545/mo
Deposit HK$8.01M · loan HK$12.02M · min. income ≈ HK$116,522/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$753,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,990
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,626
−HK$1,659/mo
Today · 4.125%
HK$64,285
baseline
▲ 0.50% · 4.625%
HK$67,674
+HK$3,389/mo
Deposit HK$8.01M · loan HK$12.02M · min. income ≈ HK$128,570/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$753,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,960
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$65,950
−HK$2,021/mo
Today · 4.125%
HK$67,971
baseline
▲ 0.50% · 4.625%
HK$72,107
+HK$4,136/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$135,942/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$753,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,155
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$73,064
−HK$1,935/mo
Today · 4.125%
HK$74,999
baseline
▲ 0.50% · 4.625%
HK$78,953
+HK$3,954/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$149,998/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$753,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,235
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$84,793
−HK$2,598/mo
Today · 4.125%
HK$87,391
baseline
▲ 0.50% · 4.625%
HK$92,709
+HK$5,318/mo
Deposit HK$2.00M · loan HK$18.03M · min. income ≈ HK$174,782/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$753,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,485
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$93,939
−HK$2,489/mo
Today · 4.125%
HK$96,428
baseline
▲ 0.50% · 4.625%
HK$101,511
+HK$5,083/mo
Deposit HK$2.00M · loan HK$18.03M · min. income ≈ HK$192,856/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$753,543 · Scale 2, in force from 26 Feb 2026)