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$45,642
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,061
−HK$1,443/mo
Today · 4.125%
HK$48,504
baseline
▲ 0.50% · 4.625%
HK$51,455
+HK$2,951/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$97,008/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$751,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,776
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,138
−HK$1,381/mo
Today · 4.125%
HK$53,519
baseline
▲ 0.50% · 4.625%
HK$56,340
+HK$2,821/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$107,038/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$751,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,770
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,474
−HK$1,730/mo
Today · 4.125%
HK$58,204
baseline
▲ 0.50% · 4.625%
HK$61,746
+HK$3,542/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$116,408/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$751,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,931
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,565
−HK$1,658/mo
Today · 4.125%
HK$64,223
baseline
▲ 0.50% · 4.625%
HK$67,608
+HK$3,385/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$128,446/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$751,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,898
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$65,886
−HK$2,019/mo
Today · 4.125%
HK$67,905
baseline
▲ 0.50% · 4.625%
HK$72,037
+HK$4,132/mo
Deposit HK$6.00M · loan HK$14.01M · min. income ≈ HK$135,810/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$751,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,086
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$72,993
−HK$1,934/mo
Today · 4.125%
HK$74,927
baseline
▲ 0.50% · 4.625%
HK$78,876
+HK$3,949/mo
Deposit HK$6.00M · loan HK$14.01M · min. income ≈ HK$149,854/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$751,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,155
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$84,710
−HK$2,597/mo
Today · 4.125%
HK$87,307
baseline
▲ 0.50% · 4.625%
HK$92,619
+HK$5,312/mo
Deposit HK$2.00M · loan HK$18.01M · min. income ≈ HK$174,614/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$751,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,396
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$93,848
−HK$2,486/mo
Today · 4.125%
HK$96,334
baseline
▲ 0.50% · 4.625%
HK$101,412
+HK$5,078/mo
Deposit HK$2.00M · loan HK$18.01M · min. income ≈ HK$192,668/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$751,600 · Scale 2, in force from 26 Feb 2026)