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$45,658
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,078
−HK$1,443/mo
Today · 4.125%
HK$48,521
baseline
▲ 0.50% · 4.625%
HK$51,474
+HK$2,953/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$97,042/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$752,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,794
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,157
−HK$1,382/mo
Today · 4.125%
HK$53,539
baseline
▲ 0.50% · 4.625%
HK$56,361
+HK$2,822/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$107,078/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$752,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,790
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$56,494
−HK$1,732/mo
Today · 4.125%
HK$58,226
baseline
▲ 0.50% · 4.625%
HK$61,769
+HK$3,543/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$116,452/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$752,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,953
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,588
−HK$1,658/mo
Today · 4.125%
HK$64,246
baseline
▲ 0.50% · 4.625%
HK$67,633
+HK$3,387/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$128,492/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$752,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,922
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$65,910
−HK$2,020/mo
Today · 4.125%
HK$67,930
baseline
▲ 0.50% · 4.625%
HK$72,063
+HK$4,133/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$135,860/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$752,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,112
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$73,019
−HK$1,935/mo
Today · 4.125%
HK$74,954
baseline
▲ 0.50% · 4.625%
HK$78,905
+HK$3,951/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$149,908/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$752,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,185
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$84,741
−HK$2,598/mo
Today · 4.125%
HK$87,339
baseline
▲ 0.50% · 4.625%
HK$92,653
+HK$5,314/mo
Deposit HK$2.00M · loan HK$18.02M · min. income ≈ HK$174,678/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$752,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,430
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$93,882
−HK$2,488/mo
Today · 4.125%
HK$96,370
baseline
▲ 0.50% · 4.625%
HK$101,449
+HK$5,079/mo
Deposit HK$2.00M · loan HK$18.02M · min. income ≈ HK$192,740/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$752,331 · Scale 2, in force from 26 Feb 2026)