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$45,700
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,122
−HK$1,444/mo
Today · 4.125%
HK$48,566
baseline
▲ 0.50% · 4.625%
HK$51,521
+HK$2,955/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$97,132/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$754,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,841
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,204
−HK$1,384/mo
Today · 4.125%
HK$53,588
baseline
▲ 0.50% · 4.625%
HK$56,412
+HK$2,824/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$107,176/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$754,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,840
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,546
−HK$1,733/mo
Today · 4.125%
HK$58,279
baseline
▲ 0.50% · 4.625%
HK$61,825
+HK$3,546/mo
Deposit HK$8.02M · loan HK$12.02M · min. income ≈ HK$116,558/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$754,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,009
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$62,645
−HK$1,660/mo
Today · 4.125%
HK$64,305
baseline
▲ 0.50% · 4.625%
HK$67,695
+HK$3,390/mo
Deposit HK$8.02M · loan HK$12.02M · min. income ≈ HK$128,610/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$754,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,980
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$65,970
−HK$2,022/mo
Today · 4.125%
HK$67,992
baseline
▲ 0.50% · 4.625%
HK$72,129
+HK$4,137/mo
Deposit HK$6.01M · loan HK$14.03M · min. income ≈ HK$135,984/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$754,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,177
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$73,086
−HK$1,937/mo
Today · 4.125%
HK$75,023
baseline
▲ 0.50% · 4.625%
HK$78,977
+HK$3,954/mo
Deposit HK$6.01M · loan HK$14.03M · min. income ≈ HK$150,046/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$754,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,260
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$84,819
−HK$2,600/mo
Today · 4.125%
HK$87,419
baseline
▲ 0.50% · 4.625%
HK$92,738
+HK$5,319/mo
Deposit HK$2.00M · loan HK$18.04M · min. income ≈ HK$174,838/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$754,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,514
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$93,968
−HK$2,490/mo
Today · 4.125%
HK$96,458
baseline
▲ 0.50% · 4.625%
HK$101,542
+HK$5,084/mo
Deposit HK$2.00M · loan HK$18.04M · min. income ≈ HK$192,916/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$754,166 · Scale 2, in force from 26 Feb 2026)