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$45,580
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$46,998
−HK$1,441/mo
Today · 4.125%
HK$48,439
baseline
▲ 0.50% · 4.625%
HK$51,386
+HK$2,947/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$96,878/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,708
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,068
−HK$1,379/mo
Today · 4.125%
HK$53,447
baseline
▲ 0.50% · 4.625%
HK$56,264
+HK$2,817/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$106,894/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,696
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$56,398
−HK$1,728/mo
Today · 4.125%
HK$58,126
baseline
▲ 0.50% · 4.625%
HK$61,663
+HK$3,537/mo
Deposit HK$8.00M · loan HK$11.99M · min. income ≈ HK$116,252/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$749,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,849
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$62,481
−HK$1,656/mo
Today · 4.125%
HK$64,137
baseline
▲ 0.50% · 4.625%
HK$67,517
+HK$3,380/mo
Deposit HK$8.00M · loan HK$11.99M · min. income ≈ HK$128,274/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$749,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,812
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$65,797
−HK$2,017/mo
Today · 4.125%
HK$67,814
baseline
▲ 0.50% · 4.625%
HK$71,940
+HK$4,126/mo
Deposit HK$6.00M · loan HK$13.99M · min. income ≈ HK$135,628/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,991
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$72,895
−HK$1,931/mo
Today · 4.125%
HK$74,826
baseline
▲ 0.50% · 4.625%
HK$78,770
+HK$3,944/mo
Deposit HK$6.00M · loan HK$13.99M · min. income ≈ HK$149,652/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,044
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$84,597
−HK$2,592/mo
Today · 4.125%
HK$87,189
baseline
▲ 0.50% · 4.625%
HK$92,495
+HK$5,306/mo
Deposit HK$2.00M · loan HK$17.99M · min. income ≈ HK$174,378/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,274
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$93,722
−HK$2,483/mo
Today · 4.125%
HK$96,205
baseline
▲ 0.50% · 4.625%
HK$101,276
+HK$5,071/mo
Deposit HK$2.00M · loan HK$17.99M · min. income ≈ HK$192,410/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,592 · Scale 2, in force from 26 Feb 2026)