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$45,749
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,172
−HK$1,445/mo
Today · 4.125%
HK$48,617
baseline
▲ 0.50% · 4.625%
HK$51,576
+HK$2,959/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$97,234/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$756,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,895
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,260
−HK$1,385/mo
Today · 4.125%
HK$53,645
baseline
▲ 0.50% · 4.625%
HK$56,472
+HK$2,827/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$107,290/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$756,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,898
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,606
−HK$1,735/mo
Today · 4.125%
HK$58,341
baseline
▲ 0.50% · 4.625%
HK$61,891
+HK$3,550/mo
Deposit HK$8.03M · loan HK$12.04M · min. income ≈ HK$116,682/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$756,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,074
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,712
−HK$1,661/mo
Today · 4.125%
HK$64,373
baseline
▲ 0.50% · 4.625%
HK$67,767
+HK$3,394/mo
Deposit HK$8.03M · loan HK$12.04M · min. income ≈ HK$128,746/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$756,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,048
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$66,040
−HK$2,024/mo
Today · 4.125%
HK$68,064
baseline
▲ 0.50% · 4.625%
HK$72,206
+HK$4,142/mo
Deposit HK$6.02M · loan HK$14.04M · min. income ≈ HK$136,128/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$756,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,253
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$73,164
−HK$1,938/mo
Today · 4.125%
HK$75,102
baseline
▲ 0.50% · 4.625%
HK$79,061
+HK$3,959/mo
Deposit HK$6.02M · loan HK$14.04M · min. income ≈ HK$150,204/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$756,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,347
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$84,909
−HK$2,602/mo
Today · 4.125%
HK$87,511
baseline
▲ 0.50% · 4.625%
HK$92,836
+HK$5,325/mo
Deposit HK$2.01M · loan HK$18.06M · min. income ≈ HK$175,022/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$756,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,611
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$94,068
−HK$2,492/mo
Today · 4.125%
HK$96,560
baseline
▲ 0.50% · 4.625%
HK$101,650
+HK$5,090/mo
Deposit HK$2.01M · loan HK$18.06M · min. income ≈ HK$193,120/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$756,293 · Scale 2, in force from 26 Feb 2026)