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$45,712
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,134
−HK$1,445/mo
Today · 4.125%
HK$48,579
baseline
▲ 0.50% · 4.625%
HK$51,535
+HK$2,956/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$97,158/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$754,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,855
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,218
−HK$1,384/mo
Today · 4.125%
HK$53,602
baseline
▲ 0.50% · 4.625%
HK$56,427
+HK$2,825/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$107,204/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$754,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,855
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,561
−HK$1,734/mo
Today · 4.125%
HK$58,295
baseline
▲ 0.50% · 4.625%
HK$61,842
+HK$3,547/mo
Deposit HK$8.02M · loan HK$12.03M · min. income ≈ HK$116,590/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$754,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,025
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$62,662
−HK$1,660/mo
Today · 4.125%
HK$64,322
baseline
▲ 0.50% · 4.625%
HK$67,713
+HK$3,391/mo
Deposit HK$8.02M · loan HK$12.03M · min. income ≈ HK$128,644/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$754,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,997
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$65,988
−HK$2,022/mo
Today · 4.125%
HK$68,010
baseline
▲ 0.50% · 4.625%
HK$72,149
+HK$4,139/mo
Deposit HK$6.01M · loan HK$14.03M · min. income ≈ HK$136,020/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$754,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,196
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$73,106
−HK$1,937/mo
Today · 4.125%
HK$75,043
baseline
▲ 0.50% · 4.625%
HK$78,998
+HK$3,955/mo
Deposit HK$6.01M · loan HK$14.03M · min. income ≈ HK$150,086/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$754,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,282
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$84,842
−HK$2,600/mo
Today · 4.125%
HK$87,442
baseline
▲ 0.50% · 4.625%
HK$92,763
+HK$5,321/mo
Deposit HK$2.00M · loan HK$18.04M · min. income ≈ HK$174,884/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$754,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,538
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$93,993
−HK$2,491/mo
Today · 4.125%
HK$96,484
baseline
▲ 0.50% · 4.625%
HK$101,569
+HK$5,085/mo
Deposit HK$2.00M · loan HK$18.04M · min. income ≈ HK$192,968/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$754,702 · Scale 2, in force from 26 Feb 2026)