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$45,628
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,047
−HK$1,442/mo
Today · 4.125%
HK$48,489
baseline
▲ 0.50% · 4.625%
HK$51,440
+HK$2,951/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$96,978/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$751,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,761
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,122
−HK$1,381/mo
Today · 4.125%
HK$53,503
baseline
▲ 0.50% · 4.625%
HK$56,323
+HK$2,820/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$107,006/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$751,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,754
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,457
−HK$1,730/mo
Today · 4.125%
HK$58,187
baseline
▲ 0.50% · 4.625%
HK$61,728
+HK$3,541/mo
Deposit HK$8.00M · loan HK$12.01M · min. income ≈ HK$116,374/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$751,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,913
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,547
−HK$1,657/mo
Today · 4.125%
HK$64,204
baseline
▲ 0.50% · 4.625%
HK$67,588
+HK$3,384/mo
Deposit HK$8.00M · loan HK$12.01M · min. income ≈ HK$128,408/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$751,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,879
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$65,866
−HK$2,019/mo
Today · 4.125%
HK$67,885
baseline
▲ 0.50% · 4.625%
HK$72,016
+HK$4,131/mo
Deposit HK$6.00M · loan HK$14.01M · min. income ≈ HK$135,770/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$751,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,065
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$72,971
−HK$1,933/mo
Today · 4.125%
HK$74,904
baseline
▲ 0.50% · 4.625%
HK$78,853
+HK$3,949/mo
Deposit HK$6.00M · loan HK$14.01M · min. income ≈ HK$149,808/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$751,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,130
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$84,685
−HK$2,596/mo
Today · 4.125%
HK$87,281
baseline
▲ 0.50% · 4.625%
HK$92,592
+HK$5,311/mo
Deposit HK$2.00M · loan HK$18.01M · min. income ≈ HK$174,562/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$751,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,369
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$93,820
−HK$2,486/mo
Today · 4.125%
HK$96,306
baseline
▲ 0.50% · 4.625%
HK$101,382
+HK$5,076/mo
Deposit HK$2.00M · loan HK$18.01M · min. income ≈ HK$192,612/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$751,005 · Scale 2, in force from 26 Feb 2026)