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$45,648
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,068
−HK$1,442/mo
Today · 4.125%
HK$48,510
baseline
▲ 0.50% · 4.625%
HK$51,462
+HK$2,952/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$97,020/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$751,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,783
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,145
−HK$1,381/mo
Today · 4.125%
HK$53,526
baseline
▲ 0.50% · 4.625%
HK$56,348
+HK$2,822/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$107,052/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$751,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,777
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,481
−HK$1,731/mo
Today · 4.125%
HK$58,212
baseline
▲ 0.50% · 4.625%
HK$61,754
+HK$3,542/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$116,424/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$751,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,939
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,574
−HK$1,658/mo
Today · 4.125%
HK$64,232
baseline
▲ 0.50% · 4.625%
HK$67,617
+HK$3,385/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$128,464/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$751,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,907
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$65,895
−HK$2,019/mo
Today · 4.125%
HK$67,914
baseline
▲ 0.50% · 4.625%
HK$72,047
+HK$4,133/mo
Deposit HK$6.01M · loan HK$14.01M · min. income ≈ HK$135,828/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$751,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,096
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$73,002
−HK$1,935/mo
Today · 4.125%
HK$74,937
baseline
▲ 0.50% · 4.625%
HK$78,887
+HK$3,950/mo
Deposit HK$6.01M · loan HK$14.01M · min. income ≈ HK$149,874/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$751,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,166
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$84,722
−HK$2,596/mo
Today · 4.125%
HK$87,318
baseline
▲ 0.50% · 4.625%
HK$92,632
+HK$5,314/mo
Deposit HK$2.00M · loan HK$18.02M · min. income ≈ HK$174,636/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$751,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,409
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$93,860
−HK$2,487/mo
Today · 4.125%
HK$96,347
baseline
▲ 0.50% · 4.625%
HK$101,426
+HK$5,079/mo
Deposit HK$2.00M · loan HK$18.02M · min. income ≈ HK$192,694/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$751,869 · Scale 2, in force from 26 Feb 2026)