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$45,630
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,049
−HK$1,442/mo
Today · 4.125%
HK$48,491
baseline
▲ 0.50% · 4.625%
HK$51,441
+HK$2,950/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$96,982/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$751,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,762
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,124
−HK$1,381/mo
Today · 4.125%
HK$53,505
baseline
▲ 0.50% · 4.625%
HK$56,325
+HK$2,820/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$107,010/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$751,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,755
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,459
−HK$1,730/mo
Today · 4.125%
HK$58,189
baseline
▲ 0.50% · 4.625%
HK$61,730
+HK$3,541/mo
Deposit HK$8.00M · loan HK$12.01M · min. income ≈ HK$116,378/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$751,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,915
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,549
−HK$1,657/mo
Today · 4.125%
HK$64,206
baseline
▲ 0.50% · 4.625%
HK$67,590
+HK$3,384/mo
Deposit HK$8.00M · loan HK$12.01M · min. income ≈ HK$128,412/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$751,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,881
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$65,868
−HK$2,019/mo
Today · 4.125%
HK$67,887
baseline
▲ 0.50% · 4.625%
HK$72,018
+HK$4,131/mo
Deposit HK$6.00M · loan HK$14.01M · min. income ≈ HK$135,774/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$751,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,067
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$72,973
−HK$1,934/mo
Today · 4.125%
HK$74,907
baseline
▲ 0.50% · 4.625%
HK$78,855
+HK$3,948/mo
Deposit HK$6.00M · loan HK$14.01M · min. income ≈ HK$149,814/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$751,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,133
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$84,688
−HK$2,596/mo
Today · 4.125%
HK$87,284
baseline
▲ 0.50% · 4.625%
HK$92,595
+HK$5,311/mo
Deposit HK$2.00M · loan HK$18.01M · min. income ≈ HK$174,568/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$751,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,372
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$93,823
−HK$2,486/mo
Today · 4.125%
HK$96,309
baseline
▲ 0.50% · 4.625%
HK$101,385
+HK$5,076/mo
Deposit HK$2.00M · loan HK$18.01M · min. income ≈ HK$192,618/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$751,070 · Scale 2, in force from 26 Feb 2026)