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$45,662
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,082
−HK$1,443/mo
Today · 4.125%
HK$48,525
baseline
▲ 0.50% · 4.625%
HK$51,478
+HK$2,953/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$97,050/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$752,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,798
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,161
−HK$1,382/mo
Today · 4.125%
HK$53,543
baseline
▲ 0.50% · 4.625%
HK$56,365
+HK$2,822/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$107,086/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$752,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,794
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$56,499
−HK$1,731/mo
Today · 4.125%
HK$58,230
baseline
▲ 0.50% · 4.625%
HK$61,773
+HK$3,543/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$116,460/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$752,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,958
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,593
−HK$1,658/mo
Today · 4.125%
HK$64,251
baseline
▲ 0.50% · 4.625%
HK$67,638
+HK$3,387/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$128,502/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$752,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,927
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$65,915
−HK$2,020/mo
Today · 4.125%
HK$67,935
baseline
▲ 0.50% · 4.625%
HK$72,069
+HK$4,134/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$135,870/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$752,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,118
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$73,025
−HK$1,935/mo
Today · 4.125%
HK$74,960
baseline
▲ 0.50% · 4.625%
HK$78,911
+HK$3,951/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$149,920/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$752,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,191
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$84,748
−HK$2,597/mo
Today · 4.125%
HK$87,345
baseline
▲ 0.50% · 4.625%
HK$92,660
+HK$5,315/mo
Deposit HK$2.00M · loan HK$18.02M · min. income ≈ HK$174,690/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$752,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,437
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$93,889
−HK$2,488/mo
Today · 4.125%
HK$96,377
baseline
▲ 0.50% · 4.625%
HK$101,457
+HK$5,080/mo
Deposit HK$2.00M · loan HK$18.02M · min. income ≈ HK$192,754/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$752,486 · Scale 2, in force from 26 Feb 2026)