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$45,643
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,063
−HK$1,442/mo
Today · 4.125%
HK$48,505
baseline
▲ 0.50% · 4.625%
HK$51,456
+HK$2,951/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$97,010/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$751,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,777
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,139
−HK$1,381/mo
Today · 4.125%
HK$53,520
baseline
▲ 0.50% · 4.625%
HK$56,342
+HK$2,822/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$107,040/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$751,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,771
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,475
−HK$1,731/mo
Today · 4.125%
HK$58,206
baseline
▲ 0.50% · 4.625%
HK$61,748
+HK$3,542/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$116,412/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$751,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,933
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,567
−HK$1,658/mo
Today · 4.125%
HK$64,225
baseline
▲ 0.50% · 4.625%
HK$67,610
+HK$3,385/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$128,450/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$751,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,900
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$65,888
−HK$2,019/mo
Today · 4.125%
HK$67,907
baseline
▲ 0.50% · 4.625%
HK$72,039
+HK$4,132/mo
Deposit HK$6.00M · loan HK$14.01M · min. income ≈ HK$135,814/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$751,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,088
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$72,995
−HK$1,934/mo
Today · 4.125%
HK$74,929
baseline
▲ 0.50% · 4.625%
HK$78,878
+HK$3,949/mo
Deposit HK$6.00M · loan HK$14.01M · min. income ≈ HK$149,858/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$751,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,157
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$84,713
−HK$2,596/mo
Today · 4.125%
HK$87,309
baseline
▲ 0.50% · 4.625%
HK$92,622
+HK$5,313/mo
Deposit HK$2.00M · loan HK$18.01M · min. income ≈ HK$174,618/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$751,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,399
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$93,850
−HK$2,487/mo
Today · 4.125%
HK$96,337
baseline
▲ 0.50% · 4.625%
HK$101,415
+HK$5,078/mo
Deposit HK$2.00M · loan HK$18.01M · min. income ≈ HK$192,674/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$751,652 · Scale 2, in force from 26 Feb 2026)