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$45,636
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,056
−HK$1,442/mo
Today · 4.125%
HK$48,498
baseline
▲ 0.50% · 4.625%
HK$51,449
+HK$2,951/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$96,996/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$751,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,770
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,131
−HK$1,382/mo
Today · 4.125%
HK$53,513
baseline
▲ 0.50% · 4.625%
HK$56,333
+HK$2,820/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$107,026/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$751,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,763
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,467
−HK$1,730/mo
Today · 4.125%
HK$58,197
baseline
▲ 0.50% · 4.625%
HK$61,739
+HK$3,542/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$116,394/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$751,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,924
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,557
−HK$1,658/mo
Today · 4.125%
HK$64,215
baseline
▲ 0.50% · 4.625%
HK$67,600
+HK$3,385/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$128,430/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$751,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,890
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$65,878
−HK$2,019/mo
Today · 4.125%
HK$67,897
baseline
▲ 0.50% · 4.625%
HK$72,028
+HK$4,131/mo
Deposit HK$6.00M · loan HK$14.01M · min. income ≈ HK$135,794/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$751,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,077
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$72,984
−HK$1,934/mo
Today · 4.125%
HK$74,918
baseline
▲ 0.50% · 4.625%
HK$78,867
+HK$3,949/mo
Deposit HK$6.00M · loan HK$14.01M · min. income ≈ HK$149,836/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$751,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,145
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$84,700
−HK$2,596/mo
Today · 4.125%
HK$87,296
baseline
▲ 0.50% · 4.625%
HK$92,608
+HK$5,312/mo
Deposit HK$2.00M · loan HK$18.01M · min. income ≈ HK$174,592/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$751,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,385
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$93,836
−HK$2,487/mo
Today · 4.125%
HK$96,323
baseline
▲ 0.50% · 4.625%
HK$101,400
+HK$5,077/mo
Deposit HK$2.00M · loan HK$18.01M · min. income ≈ HK$192,646/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$751,356 · Scale 2, in force from 26 Feb 2026)