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$45,656
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,076
−HK$1,443/mo
Today · 4.125%
HK$48,519
baseline
▲ 0.50% · 4.625%
HK$51,471
+HK$2,952/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$97,038/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$752,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,792
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,154
−HK$1,382/mo
Today · 4.125%
HK$53,536
baseline
▲ 0.50% · 4.625%
HK$56,358
+HK$2,822/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$107,072/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$752,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,787
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$56,491
−HK$1,732/mo
Today · 4.125%
HK$58,223
baseline
▲ 0.50% · 4.625%
HK$61,765
+HK$3,542/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$116,446/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$752,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,950
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,585
−HK$1,658/mo
Today · 4.125%
HK$64,243
baseline
▲ 0.50% · 4.625%
HK$67,629
+HK$3,386/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$128,486/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$752,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,918
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$65,906
−HK$2,020/mo
Today · 4.125%
HK$67,926
baseline
▲ 0.50% · 4.625%
HK$72,060
+HK$4,134/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$135,852/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$752,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,108
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$73,015
−HK$1,935/mo
Today · 4.125%
HK$74,950
baseline
▲ 0.50% · 4.625%
HK$78,901
+HK$3,951/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$149,900/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$752,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,180
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$84,737
−HK$2,597/mo
Today · 4.125%
HK$87,334
baseline
▲ 0.50% · 4.625%
HK$92,648
+HK$5,314/mo
Deposit HK$2.00M · loan HK$18.02M · min. income ≈ HK$174,668/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$752,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,425
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$93,877
−HK$2,487/mo
Today · 4.125%
HK$96,364
baseline
▲ 0.50% · 4.625%
HK$101,444
+HK$5,080/mo
Deposit HK$2.00M · loan HK$18.02M · min. income ≈ HK$192,728/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$752,223 · Scale 2, in force from 26 Feb 2026)