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$45,846
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,272
−HK$1,449/mo
Today · 4.125%
HK$48,721
baseline
▲ 0.50% · 4.625%
HK$51,685
+HK$2,964/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$97,442/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$760,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,003
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,371
−HK$1,387/mo
Today · 4.125%
HK$53,758
baseline
▲ 0.50% · 4.625%
HK$56,592
+HK$2,834/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$107,516/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$760,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,015
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$56,726
−HK$1,739/mo
Today · 4.125%
HK$58,465
baseline
▲ 0.50% · 4.625%
HK$62,022
+HK$3,557/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$116,930/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$760,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,204
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$62,845
−HK$1,665/mo
Today · 4.125%
HK$64,510
baseline
▲ 0.50% · 4.625%
HK$67,911
+HK$3,401/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$129,020/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$760,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,184
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$66,181
−HK$2,028/mo
Today · 4.125%
HK$68,209
baseline
▲ 0.50% · 4.625%
HK$72,359
+HK$4,150/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$136,418/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$760,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,404
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$73,319
−HK$1,943/mo
Today · 4.125%
HK$75,262
baseline
▲ 0.50% · 4.625%
HK$79,229
+HK$3,967/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$150,524/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$760,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,522
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$85,089
−HK$2,608/mo
Today · 4.125%
HK$87,697
baseline
▲ 0.50% · 4.625%
HK$93,033
+HK$5,336/mo
Deposit HK$2.01M · loan HK$18.09M · min. income ≈ HK$175,394/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$760,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,805
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$94,267
−HK$2,498/mo
Today · 4.125%
HK$96,765
baseline
▲ 0.50% · 4.625%
HK$101,866
+HK$5,101/mo
Deposit HK$2.01M · loan HK$18.09M · min. income ≈ HK$193,530/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$760,553 · Scale 2, in force from 26 Feb 2026)