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$45,649
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,069
−HK$1,443/mo
Today · 4.125%
HK$48,512
baseline
▲ 0.50% · 4.625%
HK$51,463
+HK$2,951/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$97,024/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$751,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,784
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,146
−HK$1,382/mo
Today · 4.125%
HK$53,528
baseline
▲ 0.50% · 4.625%
HK$56,349
+HK$2,821/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$107,056/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$751,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,779
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,483
−HK$1,731/mo
Today · 4.125%
HK$58,214
baseline
▲ 0.50% · 4.625%
HK$61,756
+HK$3,542/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$116,428/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$751,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,941
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,575
−HK$1,658/mo
Today · 4.125%
HK$64,233
baseline
▲ 0.50% · 4.625%
HK$67,619
+HK$3,386/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$128,466/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$751,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,909
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$65,896
−HK$2,020/mo
Today · 4.125%
HK$67,916
baseline
▲ 0.50% · 4.625%
HK$72,049
+HK$4,133/mo
Deposit HK$6.01M · loan HK$14.01M · min. income ≈ HK$135,832/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$751,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,098
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$73,004
−HK$1,935/mo
Today · 4.125%
HK$74,939
baseline
▲ 0.50% · 4.625%
HK$78,889
+HK$3,950/mo
Deposit HK$6.01M · loan HK$14.01M · min. income ≈ HK$149,878/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$751,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,168
−HK$5,153/mo
▼ 0.25% · 3.875%
HK$84,724
−HK$2,597/mo
Today · 4.125%
HK$87,321
baseline
▲ 0.50% · 4.625%
HK$92,634
+HK$5,313/mo
Deposit HK$2.00M · loan HK$18.02M · min. income ≈ HK$174,642/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$751,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,411
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$93,863
−HK$2,487/mo
Today · 4.125%
HK$96,350
baseline
▲ 0.50% · 4.625%
HK$101,429
+HK$5,079/mo
Deposit HK$2.00M · loan HK$18.02M · min. income ≈ HK$192,700/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$751,922 · Scale 2, in force from 26 Feb 2026)