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$45,792
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$47,216
−HK$1,448/mo
Today · 4.125%
HK$48,664
baseline
▲ 0.50% · 4.625%
HK$51,625
+HK$2,961/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$97,328/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$758,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,943
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,309
−HK$1,386/mo
Today · 4.125%
HK$53,695
baseline
▲ 0.50% · 4.625%
HK$56,526
+HK$2,831/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$107,390/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$758,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,950
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,660
−HK$1,736/mo
Today · 4.125%
HK$58,396
baseline
▲ 0.50% · 4.625%
HK$61,950
+HK$3,554/mo
Deposit HK$8.03M · loan HK$12.05M · min. income ≈ HK$116,792/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$758,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,132
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,771
−HK$1,664/mo
Today · 4.125%
HK$64,435
baseline
▲ 0.50% · 4.625%
HK$67,831
+HK$3,396/mo
Deposit HK$8.03M · loan HK$12.05M · min. income ≈ HK$128,870/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$758,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,109
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$66,103
−HK$2,026/mo
Today · 4.125%
HK$68,129
baseline
▲ 0.50% · 4.625%
HK$72,275
+HK$4,146/mo
Deposit HK$6.02M · loan HK$14.06M · min. income ≈ HK$136,258/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$758,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,320
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$73,233
−HK$1,941/mo
Today · 4.125%
HK$75,174
baseline
▲ 0.50% · 4.625%
HK$79,136
+HK$3,962/mo
Deposit HK$6.02M · loan HK$14.06M · min. income ≈ HK$150,348/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$758,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,426
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$84,990
−HK$2,604/mo
Today · 4.125%
HK$87,594
baseline
▲ 0.50% · 4.625%
HK$92,924
+HK$5,330/mo
Deposit HK$2.01M · loan HK$18.07M · min. income ≈ HK$175,188/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$758,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,698
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$94,157
−HK$2,495/mo
Today · 4.125%
HK$96,652
baseline
▲ 0.50% · 4.625%
HK$101,747
+HK$5,095/mo
Deposit HK$2.01M · loan HK$18.07M · min. income ≈ HK$193,304/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$758,197 · Scale 2, in force from 26 Feb 2026)