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$45,673
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,094
−HK$1,443/mo
Today · 4.125%
HK$48,537
baseline
▲ 0.50% · 4.625%
HK$51,491
+HK$2,954/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$97,074/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$752,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,811
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,174
−HK$1,382/mo
Today · 4.125%
HK$53,556
baseline
▲ 0.50% · 4.625%
HK$56,379
+HK$2,823/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$107,112/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$752,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,808
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$56,513
−HK$1,732/mo
Today · 4.125%
HK$58,245
baseline
▲ 0.50% · 4.625%
HK$61,789
+HK$3,544/mo
Deposit HK$8.01M · loan HK$12.02M · min. income ≈ HK$116,490/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$752,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,973
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,609
−HK$1,659/mo
Today · 4.125%
HK$64,268
baseline
▲ 0.50% · 4.625%
HK$67,655
+HK$3,387/mo
Deposit HK$8.01M · loan HK$12.02M · min. income ≈ HK$128,536/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$752,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,943
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$65,932
−HK$2,020/mo
Today · 4.125%
HK$67,952
baseline
▲ 0.50% · 4.625%
HK$72,087
+HK$4,135/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$135,904/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$752,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,136
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$73,043
−HK$1,936/mo
Today · 4.125%
HK$74,979
baseline
▲ 0.50% · 4.625%
HK$78,931
+HK$3,952/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$149,958/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$752,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,212
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$84,769
−HK$2,598/mo
Today · 4.125%
HK$87,367
baseline
▲ 0.50% · 4.625%
HK$92,684
+HK$5,317/mo
Deposit HK$2.00M · loan HK$18.03M · min. income ≈ HK$174,734/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$752,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,460
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$93,913
−HK$2,488/mo
Today · 4.125%
HK$96,401
baseline
▲ 0.50% · 4.625%
HK$101,483
+HK$5,082/mo
Deposit HK$2.00M · loan HK$18.03M · min. income ≈ HK$192,802/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$752,991 · Scale 2, in force from 26 Feb 2026)