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$45,629
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,049
−HK$1,442/mo
Today · 4.125%
HK$48,491
baseline
▲ 0.50% · 4.625%
HK$51,441
+HK$2,950/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$96,982/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$751,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,762
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,123
−HK$1,382/mo
Today · 4.125%
HK$53,505
baseline
▲ 0.50% · 4.625%
HK$56,325
+HK$2,820/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$107,010/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$751,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,755
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,458
−HK$1,731/mo
Today · 4.125%
HK$58,189
baseline
▲ 0.50% · 4.625%
HK$61,729
+HK$3,540/mo
Deposit HK$8.00M · loan HK$12.01M · min. income ≈ HK$116,378/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$751,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,914
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,548
−HK$1,657/mo
Today · 4.125%
HK$64,205
baseline
▲ 0.50% · 4.625%
HK$67,590
+HK$3,385/mo
Deposit HK$8.00M · loan HK$12.01M · min. income ≈ HK$128,410/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$751,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,881
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$65,868
−HK$2,019/mo
Today · 4.125%
HK$67,887
baseline
▲ 0.50% · 4.625%
HK$72,018
+HK$4,131/mo
Deposit HK$6.00M · loan HK$14.01M · min. income ≈ HK$135,774/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$751,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,067
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$72,973
−HK$1,933/mo
Today · 4.125%
HK$74,906
baseline
▲ 0.50% · 4.625%
HK$78,855
+HK$3,949/mo
Deposit HK$6.00M · loan HK$14.01M · min. income ≈ HK$149,812/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$751,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,133
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$84,687
−HK$2,596/mo
Today · 4.125%
HK$87,283
baseline
▲ 0.50% · 4.625%
HK$92,594
+HK$5,311/mo
Deposit HK$2.00M · loan HK$18.01M · min. income ≈ HK$174,566/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$751,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,372
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$93,822
−HK$2,486/mo
Today · 4.125%
HK$96,308
baseline
▲ 0.50% · 4.625%
HK$101,385
+HK$5,077/mo
Deposit HK$2.00M · loan HK$18.01M · min. income ≈ HK$192,616/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$751,057 · Scale 2, in force from 26 Feb 2026)