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$45,650
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,070
−HK$1,443/mo
Today · 4.125%
HK$48,513
baseline
▲ 0.50% · 4.625%
HK$51,464
+HK$2,951/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$97,026/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$751,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,785
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,147
−HK$1,382/mo
Today · 4.125%
HK$53,529
baseline
▲ 0.50% · 4.625%
HK$56,350
+HK$2,821/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$107,058/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$751,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,780
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,484
−HK$1,731/mo
Today · 4.125%
HK$58,215
baseline
▲ 0.50% · 4.625%
HK$61,757
+HK$3,542/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$116,430/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$751,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,942
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,576
−HK$1,659/mo
Today · 4.125%
HK$64,235
baseline
▲ 0.50% · 4.625%
HK$67,620
+HK$3,385/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$128,470/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$751,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,910
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$65,898
−HK$2,020/mo
Today · 4.125%
HK$67,918
baseline
▲ 0.50% · 4.625%
HK$72,050
+HK$4,132/mo
Deposit HK$6.01M · loan HK$14.01M · min. income ≈ HK$135,836/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$751,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,099
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$73,006
−HK$1,934/mo
Today · 4.125%
HK$74,940
baseline
▲ 0.50% · 4.625%
HK$78,890
+HK$3,950/mo
Deposit HK$6.01M · loan HK$14.01M · min. income ≈ HK$149,880/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$751,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,170
−HK$5,153/mo
▼ 0.25% · 3.875%
HK$84,726
−HK$2,597/mo
Today · 4.125%
HK$87,323
baseline
▲ 0.50% · 4.625%
HK$92,636
+HK$5,313/mo
Deposit HK$2.00M · loan HK$18.02M · min. income ≈ HK$174,646/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$751,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,413
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$93,865
−HK$2,487/mo
Today · 4.125%
HK$96,352
baseline
▲ 0.50% · 4.625%
HK$101,431
+HK$5,079/mo
Deposit HK$2.00M · loan HK$18.02M · min. income ≈ HK$192,704/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$751,962 · Scale 2, in force from 26 Feb 2026)