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$45,717
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,139
−HK$1,445/mo
Today · 4.125%
HK$48,584
baseline
▲ 0.50% · 4.625%
HK$51,540
+HK$2,956/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$97,168/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$754,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,860
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,224
−HK$1,383/mo
Today · 4.125%
HK$53,607
baseline
▲ 0.50% · 4.625%
HK$56,433
+HK$2,826/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$107,214/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$754,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,860
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$56,567
−HK$1,734/mo
Today · 4.125%
HK$58,301
baseline
▲ 0.50% · 4.625%
HK$61,848
+HK$3,547/mo
Deposit HK$8.02M · loan HK$12.03M · min. income ≈ HK$116,602/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$754,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,032
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$62,668
−HK$1,661/mo
Today · 4.125%
HK$64,329
baseline
▲ 0.50% · 4.625%
HK$67,720
+HK$3,391/mo
Deposit HK$8.02M · loan HK$12.03M · min. income ≈ HK$128,658/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$754,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,004
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$65,995
−HK$2,022/mo
Today · 4.125%
HK$68,017
baseline
▲ 0.50% · 4.625%
HK$72,156
+HK$4,139/mo
Deposit HK$6.01M · loan HK$14.03M · min. income ≈ HK$136,034/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$754,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,203
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$73,113
−HK$1,937/mo
Today · 4.125%
HK$75,050
baseline
▲ 0.50% · 4.625%
HK$79,006
+HK$3,956/mo
Deposit HK$6.01M · loan HK$14.03M · min. income ≈ HK$150,100/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$754,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,290
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$84,850
−HK$2,601/mo
Today · 4.125%
HK$87,451
baseline
▲ 0.50% · 4.625%
HK$92,772
+HK$5,321/mo
Deposit HK$2.00M · loan HK$18.04M · min. income ≈ HK$174,902/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$754,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,547
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$94,003
−HK$2,490/mo
Today · 4.125%
HK$96,493
baseline
▲ 0.50% · 4.625%
HK$101,580
+HK$5,087/mo
Deposit HK$2.00M · loan HK$18.04M · min. income ≈ HK$192,986/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$754,903 · Scale 2, in force from 26 Feb 2026)