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$45,631
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,051
−HK$1,442/mo
Today · 4.125%
HK$48,493
baseline
▲ 0.50% · 4.625%
HK$51,443
+HK$2,950/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$96,986/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$751,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,764
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,126
−HK$1,381/mo
Today · 4.125%
HK$53,507
baseline
▲ 0.50% · 4.625%
HK$56,327
+HK$2,820/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$107,014/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$751,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,757
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,461
−HK$1,730/mo
Today · 4.125%
HK$58,191
baseline
▲ 0.50% · 4.625%
HK$61,732
+HK$3,541/mo
Deposit HK$8.00M · loan HK$12.01M · min. income ≈ HK$116,382/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$751,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,917
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,551
−HK$1,657/mo
Today · 4.125%
HK$64,208
baseline
▲ 0.50% · 4.625%
HK$67,593
+HK$3,385/mo
Deposit HK$8.00M · loan HK$12.01M · min. income ≈ HK$128,416/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$751,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,884
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$65,871
−HK$2,019/mo
Today · 4.125%
HK$67,890
baseline
▲ 0.50% · 4.625%
HK$72,021
+HK$4,131/mo
Deposit HK$6.00M · loan HK$14.01M · min. income ≈ HK$135,780/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$751,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,070
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$72,976
−HK$1,934/mo
Today · 4.125%
HK$74,910
baseline
▲ 0.50% · 4.625%
HK$78,858
+HK$3,948/mo
Deposit HK$6.00M · loan HK$14.01M · min. income ≈ HK$149,820/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$751,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,136
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$84,691
−HK$2,596/mo
Today · 4.125%
HK$87,287
baseline
▲ 0.50% · 4.625%
HK$92,598
+HK$5,311/mo
Deposit HK$2.00M · loan HK$18.01M · min. income ≈ HK$174,574/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$751,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,376
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$93,826
−HK$2,486/mo
Today · 4.125%
HK$96,312
baseline
▲ 0.50% · 4.625%
HK$101,389
+HK$5,077/mo
Deposit HK$2.00M · loan HK$18.01M · min. income ≈ HK$192,624/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$751,144 · Scale 2, in force from 26 Feb 2026)