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$45,659
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,079
−HK$1,443/mo
Today · 4.125%
HK$48,522
baseline
▲ 0.50% · 4.625%
HK$51,475
+HK$2,953/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$97,044/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$752,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,795
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,157
−HK$1,382/mo
Today · 4.125%
HK$53,539
baseline
▲ 0.50% · 4.625%
HK$56,362
+HK$2,823/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$107,078/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$752,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,791
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$56,495
−HK$1,732/mo
Today · 4.125%
HK$58,227
baseline
▲ 0.50% · 4.625%
HK$61,770
+HK$3,543/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$116,454/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$752,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,954
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,589
−HK$1,658/mo
Today · 4.125%
HK$64,247
baseline
▲ 0.50% · 4.625%
HK$67,634
+HK$3,387/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$128,494/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$752,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,923
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$65,911
−HK$2,020/mo
Today · 4.125%
HK$67,931
baseline
▲ 0.50% · 4.625%
HK$72,064
+HK$4,133/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$135,862/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$752,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,113
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$73,020
−HK$1,935/mo
Today · 4.125%
HK$74,955
baseline
▲ 0.50% · 4.625%
HK$78,906
+HK$3,951/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$149,910/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$752,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,186
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$84,743
−HK$2,597/mo
Today · 4.125%
HK$87,340
baseline
▲ 0.50% · 4.625%
HK$92,654
+HK$5,314/mo
Deposit HK$2.00M · loan HK$18.02M · min. income ≈ HK$174,680/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$752,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,431
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$93,883
−HK$2,488/mo
Today · 4.125%
HK$96,371
baseline
▲ 0.50% · 4.625%
HK$101,451
+HK$5,080/mo
Deposit HK$2.00M · loan HK$18.02M · min. income ≈ HK$192,742/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$752,360 · Scale 2, in force from 26 Feb 2026)