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$45,658
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,078
−HK$1,443/mo
Today · 4.125%
HK$48,521
baseline
▲ 0.50% · 4.625%
HK$51,473
+HK$2,952/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$97,042/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$752,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,794
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,156
−HK$1,382/mo
Today · 4.125%
HK$53,538
baseline
▲ 0.50% · 4.625%
HK$56,360
+HK$2,822/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$107,076/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$752,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,789
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$56,494
−HK$1,731/mo
Today · 4.125%
HK$58,225
baseline
▲ 0.50% · 4.625%
HK$61,768
+HK$3,543/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$116,450/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$752,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,953
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,587
−HK$1,659/mo
Today · 4.125%
HK$64,246
baseline
▲ 0.50% · 4.625%
HK$67,632
+HK$3,386/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$128,492/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$752,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,921
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$65,909
−HK$2,020/mo
Today · 4.125%
HK$67,929
baseline
▲ 0.50% · 4.625%
HK$72,063
+HK$4,134/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$135,858/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$752,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,111
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$73,019
−HK$1,934/mo
Today · 4.125%
HK$74,953
baseline
▲ 0.50% · 4.625%
HK$78,904
+HK$3,951/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$149,906/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$752,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,184
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$84,740
−HK$2,598/mo
Today · 4.125%
HK$87,338
baseline
▲ 0.50% · 4.625%
HK$92,652
+HK$5,314/mo
Deposit HK$2.00M · loan HK$18.02M · min. income ≈ HK$174,676/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$752,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,429
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$93,881
−HK$2,488/mo
Today · 4.125%
HK$96,369
baseline
▲ 0.50% · 4.625%
HK$101,448
+HK$5,079/mo
Deposit HK$2.00M · loan HK$18.02M · min. income ≈ HK$192,738/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$752,310 · Scale 2, in force from 26 Feb 2026)