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$45,646
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,066
−HK$1,443/mo
Today · 4.125%
HK$48,509
baseline
▲ 0.50% · 4.625%
HK$51,460
+HK$2,951/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$97,018/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$751,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,781
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,143
−HK$1,382/mo
Today · 4.125%
HK$53,525
baseline
▲ 0.50% · 4.625%
HK$56,346
+HK$2,821/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$107,050/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$751,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,775
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,479
−HK$1,731/mo
Today · 4.125%
HK$58,210
baseline
▲ 0.50% · 4.625%
HK$61,752
+HK$3,542/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$116,420/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$751,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,937
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,571
−HK$1,658/mo
Today · 4.125%
HK$64,229
baseline
▲ 0.50% · 4.625%
HK$67,615
+HK$3,386/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$128,458/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$751,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,905
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$65,893
−HK$2,019/mo
Today · 4.125%
HK$67,912
baseline
▲ 0.50% · 4.625%
HK$72,044
+HK$4,132/mo
Deposit HK$6.01M · loan HK$14.01M · min. income ≈ HK$135,824/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$751,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,093
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$73,000
−HK$1,934/mo
Today · 4.125%
HK$74,934
baseline
▲ 0.50% · 4.625%
HK$78,884
+HK$3,950/mo
Deposit HK$6.01M · loan HK$14.01M · min. income ≈ HK$149,868/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$751,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,163
−HK$5,153/mo
▼ 0.25% · 3.875%
HK$84,719
−HK$2,597/mo
Today · 4.125%
HK$87,316
baseline
▲ 0.50% · 4.625%
HK$92,629
+HK$5,313/mo
Deposit HK$2.00M · loan HK$18.02M · min. income ≈ HK$174,632/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$751,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,406
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$93,857
−HK$2,487/mo
Today · 4.125%
HK$96,344
baseline
▲ 0.50% · 4.625%
HK$101,423
+HK$5,079/mo
Deposit HK$2.00M · loan HK$18.02M · min. income ≈ HK$192,688/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$751,803 · Scale 2, in force from 26 Feb 2026)