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$45,661
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,082
−HK$1,443/mo
Today · 4.125%
HK$48,525
baseline
▲ 0.50% · 4.625%
HK$51,477
+HK$2,952/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$97,050/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$752,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,798
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,160
−HK$1,382/mo
Today · 4.125%
HK$53,542
baseline
▲ 0.50% · 4.625%
HK$56,365
+HK$2,823/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$107,084/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$752,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,794
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$56,498
−HK$1,732/mo
Today · 4.125%
HK$58,230
baseline
▲ 0.50% · 4.625%
HK$61,773
+HK$3,543/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$116,460/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$752,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,957
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,592
−HK$1,659/mo
Today · 4.125%
HK$64,251
baseline
▲ 0.50% · 4.625%
HK$67,637
+HK$3,386/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$128,502/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$752,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,926
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$65,914
−HK$2,021/mo
Today · 4.125%
HK$67,935
baseline
▲ 0.50% · 4.625%
HK$72,068
+HK$4,133/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$135,870/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$752,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,117
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$73,024
−HK$1,935/mo
Today · 4.125%
HK$74,959
baseline
▲ 0.50% · 4.625%
HK$78,910
+HK$3,951/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$149,918/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$752,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,190
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$84,747
−HK$2,598/mo
Today · 4.125%
HK$87,345
baseline
▲ 0.50% · 4.625%
HK$92,659
+HK$5,314/mo
Deposit HK$2.00M · loan HK$18.02M · min. income ≈ HK$174,690/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$752,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,436
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$93,888
−HK$2,488/mo
Today · 4.125%
HK$96,376
baseline
▲ 0.50% · 4.625%
HK$101,456
+HK$5,080/mo
Deposit HK$2.00M · loan HK$18.02M · min. income ≈ HK$192,752/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$752,466 · Scale 2, in force from 26 Feb 2026)