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$45,643
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,062
−HK$1,443/mo
Today · 4.125%
HK$48,505
baseline
▲ 0.50% · 4.625%
HK$51,456
+HK$2,951/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$97,010/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$751,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,777
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,139
−HK$1,381/mo
Today · 4.125%
HK$53,520
baseline
▲ 0.50% · 4.625%
HK$56,341
+HK$2,821/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$107,040/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$751,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,771
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,475
−HK$1,731/mo
Today · 4.125%
HK$58,206
baseline
▲ 0.50% · 4.625%
HK$61,747
+HK$3,541/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$116,412/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$751,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,932
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,566
−HK$1,658/mo
Today · 4.125%
HK$64,224
baseline
▲ 0.50% · 4.625%
HK$67,610
+HK$3,386/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$128,448/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$751,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,900
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$65,887
−HK$2,020/mo
Today · 4.125%
HK$67,907
baseline
▲ 0.50% · 4.625%
HK$72,039
+HK$4,132/mo
Deposit HK$6.00M · loan HK$14.01M · min. income ≈ HK$135,814/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$751,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,088
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$72,994
−HK$1,934/mo
Today · 4.125%
HK$74,928
baseline
▲ 0.50% · 4.625%
HK$78,878
+HK$3,950/mo
Deposit HK$6.00M · loan HK$14.01M · min. income ≈ HK$149,856/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$751,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,157
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$84,712
−HK$2,596/mo
Today · 4.125%
HK$87,308
baseline
▲ 0.50% · 4.625%
HK$92,621
+HK$5,313/mo
Deposit HK$2.00M · loan HK$18.01M · min. income ≈ HK$174,616/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$751,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,398
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$93,850
−HK$2,486/mo
Today · 4.125%
HK$96,336
baseline
▲ 0.50% · 4.625%
HK$101,414
+HK$5,078/mo
Deposit HK$2.00M · loan HK$18.01M · min. income ≈ HK$192,672/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$751,640 · Scale 2, in force from 26 Feb 2026)