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$45,660
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,081
−HK$1,443/mo
Today · 4.125%
HK$48,524
baseline
▲ 0.50% · 4.625%
HK$51,476
+HK$2,952/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$97,048/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$752,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,797
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,159
−HK$1,382/mo
Today · 4.125%
HK$53,541
baseline
▲ 0.50% · 4.625%
HK$56,363
+HK$2,822/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$107,082/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$752,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,792
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$56,497
−HK$1,731/mo
Today · 4.125%
HK$58,228
baseline
▲ 0.50% · 4.625%
HK$61,772
+HK$3,544/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$116,456/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$752,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,956
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,591
−HK$1,658/mo
Today · 4.125%
HK$64,249
baseline
▲ 0.50% · 4.625%
HK$67,636
+HK$3,387/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$128,498/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$752,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,925
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$65,913
−HK$2,020/mo
Today · 4.125%
HK$67,933
baseline
▲ 0.50% · 4.625%
HK$72,067
+HK$4,134/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$135,866/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$752,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,115
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$73,023
−HK$1,935/mo
Today · 4.125%
HK$74,958
baseline
▲ 0.50% · 4.625%
HK$78,909
+HK$3,951/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$149,916/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$752,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,189
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$84,745
−HK$2,598/mo
Today · 4.125%
HK$87,343
baseline
▲ 0.50% · 4.625%
HK$92,657
+HK$5,314/mo
Deposit HK$2.00M · loan HK$18.02M · min. income ≈ HK$174,686/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$752,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,434
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$93,886
−HK$2,488/mo
Today · 4.125%
HK$96,374
baseline
▲ 0.50% · 4.625%
HK$101,454
+HK$5,080/mo
Deposit HK$2.00M · loan HK$18.02M · min. income ≈ HK$192,748/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$752,424 · Scale 2, in force from 26 Feb 2026)