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$45,581
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$46,999
−HK$1,440/mo
Today · 4.125%
HK$48,439
baseline
▲ 0.50% · 4.625%
HK$51,387
+HK$2,948/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$749,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,708
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$52,068
−HK$1,380/mo
Today · 4.125%
HK$53,448
baseline
▲ 0.50% · 4.625%
HK$56,265
+HK$2,817/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$106,896/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,697
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$56,399
−HK$1,728/mo
Today · 4.125%
HK$58,127
baseline
▲ 0.50% · 4.625%
HK$61,664
+HK$3,537/mo
Deposit HK$8.00M · loan HK$11.99M · min. income ≈ HK$116,254/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$749,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,850
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$62,482
−HK$1,656/mo
Today · 4.125%
HK$64,138
baseline
▲ 0.50% · 4.625%
HK$67,518
+HK$3,380/mo
Deposit HK$8.00M · loan HK$11.99M · min. income ≈ HK$128,276/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$749,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,813
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$65,798
−HK$2,017/mo
Today · 4.125%
HK$67,815
baseline
▲ 0.50% · 4.625%
HK$71,941
+HK$4,126/mo
Deposit HK$6.00M · loan HK$13.99M · min. income ≈ HK$135,630/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,992
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$72,896
−HK$1,931/mo
Today · 4.125%
HK$74,827
baseline
▲ 0.50% · 4.625%
HK$78,771
+HK$3,944/mo
Deposit HK$6.00M · loan HK$13.99M · min. income ≈ HK$149,654/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,046
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$84,598
−HK$2,593/mo
Today · 4.125%
HK$87,191
baseline
▲ 0.50% · 4.625%
HK$92,496
+HK$5,305/mo
Deposit HK$2.00M · loan HK$17.99M · min. income ≈ HK$174,382/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,275
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$93,723
−HK$2,483/mo
Today · 4.125%
HK$96,206
baseline
▲ 0.50% · 4.625%
HK$101,278
+HK$5,072/mo
Deposit HK$2.00M · loan HK$17.99M · min. income ≈ HK$192,412/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,604 · Scale 2, in force from 26 Feb 2026)