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$45,697
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,118
−HK$1,444/mo
Today · 4.125%
HK$48,562
baseline
▲ 0.50% · 4.625%
HK$51,517
+HK$2,955/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$97,124/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$754,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,837
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,201
−HK$1,383/mo
Today · 4.125%
HK$53,584
baseline
▲ 0.50% · 4.625%
HK$56,408
+HK$2,824/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$107,168/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$754,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,836
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,542
−HK$1,733/mo
Today · 4.125%
HK$58,275
baseline
▲ 0.50% · 4.625%
HK$61,821
+HK$3,546/mo
Deposit HK$8.02M · loan HK$12.02M · min. income ≈ HK$116,550/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$754,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,005
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$62,641
−HK$1,660/mo
Today · 4.125%
HK$64,301
baseline
▲ 0.50% · 4.625%
HK$67,690
+HK$3,389/mo
Deposit HK$8.02M · loan HK$12.02M · min. income ≈ HK$128,602/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$754,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,976
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$65,966
−HK$2,021/mo
Today · 4.125%
HK$67,987
baseline
▲ 0.50% · 4.625%
HK$72,124
+HK$4,137/mo
Deposit HK$6.01M · loan HK$14.03M · min. income ≈ HK$135,974/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$754,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,172
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$73,081
−HK$1,936/mo
Today · 4.125%
HK$75,017
baseline
▲ 0.50% · 4.625%
HK$78,972
+HK$3,955/mo
Deposit HK$6.01M · loan HK$14.03M · min. income ≈ HK$150,034/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$754,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,254
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$84,813
−HK$2,599/mo
Today · 4.125%
HK$87,412
baseline
▲ 0.50% · 4.625%
HK$92,731
+HK$5,319/mo
Deposit HK$2.00M · loan HK$18.04M · min. income ≈ HK$174,824/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$754,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,507
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$93,961
−HK$2,490/mo
Today · 4.125%
HK$96,451
baseline
▲ 0.50% · 4.625%
HK$101,535
+HK$5,084/mo
Deposit HK$2.00M · loan HK$18.04M · min. income ≈ HK$192,902/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$754,023 · Scale 2, in force from 26 Feb 2026)