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$45,635
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,054
−HK$1,443/mo
Today · 4.125%
HK$48,497
baseline
▲ 0.50% · 4.625%
HK$51,448
+HK$2,951/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$96,994/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$751,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,768
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,130
−HK$1,381/mo
Today · 4.125%
HK$53,511
baseline
▲ 0.50% · 4.625%
HK$56,332
+HK$2,821/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$107,022/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$751,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,762
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,465
−HK$1,731/mo
Today · 4.125%
HK$58,196
baseline
▲ 0.50% · 4.625%
HK$61,737
+HK$3,541/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$116,392/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$751,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,922
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,556
−HK$1,657/mo
Today · 4.125%
HK$64,213
baseline
▲ 0.50% · 4.625%
HK$67,598
+HK$3,385/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$128,426/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$751,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,889
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$65,876
−HK$2,019/mo
Today · 4.125%
HK$67,895
baseline
▲ 0.50% · 4.625%
HK$72,027
+HK$4,132/mo
Deposit HK$6.00M · loan HK$14.01M · min. income ≈ HK$135,790/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$751,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,076
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$72,982
−HK$1,934/mo
Today · 4.125%
HK$74,916
baseline
▲ 0.50% · 4.625%
HK$78,865
+HK$3,949/mo
Deposit HK$6.00M · loan HK$14.01M · min. income ≈ HK$149,832/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$751,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,143
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$84,698
−HK$2,596/mo
Today · 4.125%
HK$87,294
baseline
▲ 0.50% · 4.625%
HK$92,606
+HK$5,312/mo
Deposit HK$2.00M · loan HK$18.01M · min. income ≈ HK$174,588/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$751,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,383
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$93,834
−HK$2,486/mo
Today · 4.125%
HK$96,320
baseline
▲ 0.50% · 4.625%
HK$101,397
+HK$5,077/mo
Deposit HK$2.00M · loan HK$18.01M · min. income ≈ HK$192,640/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$751,306 · Scale 2, in force from 26 Feb 2026)