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$45,849
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,275
−HK$1,449/mo
Today · 4.125%
HK$48,724
baseline
▲ 0.50% · 4.625%
HK$51,688
+HK$2,964/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$97,448/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$760,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,006
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,374
−HK$1,388/mo
Today · 4.125%
HK$53,762
baseline
▲ 0.50% · 4.625%
HK$56,596
+HK$2,834/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$107,524/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$760,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,018
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$56,730
−HK$1,738/mo
Today · 4.125%
HK$58,468
baseline
▲ 0.50% · 4.625%
HK$62,026
+HK$3,558/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$116,936/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$760,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,207
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$62,849
−HK$1,665/mo
Today · 4.125%
HK$64,514
baseline
▲ 0.50% · 4.625%
HK$67,915
+HK$3,401/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$129,028/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$760,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,188
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$66,185
−HK$2,028/mo
Today · 4.125%
HK$68,213
baseline
▲ 0.50% · 4.625%
HK$72,364
+HK$4,151/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$136,426/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$760,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,408
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$73,324
−HK$1,942/mo
Today · 4.125%
HK$75,266
baseline
▲ 0.50% · 4.625%
HK$79,234
+HK$3,968/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$150,532/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$760,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,527
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$85,094
−HK$2,609/mo
Today · 4.125%
HK$87,703
baseline
▲ 0.50% · 4.625%
HK$93,039
+HK$5,336/mo
Deposit HK$2.01M · loan HK$18.10M · min. income ≈ HK$175,406/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$760,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,811
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$94,273
−HK$2,498/mo
Today · 4.125%
HK$96,771
baseline
▲ 0.50% · 4.625%
HK$101,872
+HK$5,101/mo
Deposit HK$2.01M · loan HK$18.10M · min. income ≈ HK$193,542/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$760,674 · Scale 2, in force from 26 Feb 2026)