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$45,671
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,092
−HK$1,443/mo
Today · 4.125%
HK$48,535
baseline
▲ 0.50% · 4.625%
HK$51,488
+HK$2,953/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$97,070/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$752,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,808
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,171
−HK$1,382/mo
Today · 4.125%
HK$53,553
baseline
▲ 0.50% · 4.625%
HK$56,376
+HK$2,823/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$107,106/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$752,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,805
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$56,510
−HK$1,732/mo
Today · 4.125%
HK$58,242
baseline
▲ 0.50% · 4.625%
HK$61,786
+HK$3,544/mo
Deposit HK$8.01M · loan HK$12.02M · min. income ≈ HK$116,484/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$752,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,970
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,605
−HK$1,659/mo
Today · 4.125%
HK$64,264
baseline
▲ 0.50% · 4.625%
HK$67,652
+HK$3,388/mo
Deposit HK$8.01M · loan HK$12.02M · min. income ≈ HK$128,528/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$752,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,939
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$65,928
−HK$2,021/mo
Today · 4.125%
HK$67,949
baseline
▲ 0.50% · 4.625%
HK$72,083
+HK$4,134/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$135,898/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$752,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,132
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$73,040
−HK$1,935/mo
Today · 4.125%
HK$74,975
baseline
▲ 0.50% · 4.625%
HK$78,927
+HK$3,952/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$149,950/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$752,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,208
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$84,765
−HK$2,598/mo
Today · 4.125%
HK$87,363
baseline
▲ 0.50% · 4.625%
HK$92,679
+HK$5,316/mo
Deposit HK$2.00M · loan HK$18.03M · min. income ≈ HK$174,726/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$752,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,455
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$93,908
−HK$2,488/mo
Today · 4.125%
HK$96,396
baseline
▲ 0.50% · 4.625%
HK$101,477
+HK$5,081/mo
Deposit HK$2.00M · loan HK$18.03M · min. income ≈ HK$192,792/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$752,886 · Scale 2, in force from 26 Feb 2026)