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$45,659
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,079
−HK$1,443/mo
Today · 4.125%
HK$48,522
baseline
▲ 0.50% · 4.625%
HK$51,475
+HK$2,953/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$97,044/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$752,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,795
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,158
−HK$1,382/mo
Today · 4.125%
HK$53,540
baseline
▲ 0.50% · 4.625%
HK$56,362
+HK$2,822/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$107,080/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$752,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,791
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$56,495
−HK$1,732/mo
Today · 4.125%
HK$58,227
baseline
▲ 0.50% · 4.625%
HK$61,770
+HK$3,543/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$116,454/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$752,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,954
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,589
−HK$1,659/mo
Today · 4.125%
HK$64,248
baseline
▲ 0.50% · 4.625%
HK$67,634
+HK$3,386/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$128,496/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$752,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,923
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$65,911
−HK$2,020/mo
Today · 4.125%
HK$67,931
baseline
▲ 0.50% · 4.625%
HK$72,065
+HK$4,134/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$135,862/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$752,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,113
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$73,021
−HK$1,934/mo
Today · 4.125%
HK$74,955
baseline
▲ 0.50% · 4.625%
HK$78,906
+HK$3,951/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$149,910/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$752,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,186
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$84,743
−HK$2,597/mo
Today · 4.125%
HK$87,340
baseline
▲ 0.50% · 4.625%
HK$92,655
+HK$5,315/mo
Deposit HK$2.00M · loan HK$18.02M · min. income ≈ HK$174,680/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$752,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,432
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$93,884
−HK$2,487/mo
Today · 4.125%
HK$96,371
baseline
▲ 0.50% · 4.625%
HK$101,451
+HK$5,080/mo
Deposit HK$2.00M · loan HK$18.02M · min. income ≈ HK$192,742/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$752,368 · Scale 2, in force from 26 Feb 2026)