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$45,654
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,074
−HK$1,443/mo
Today · 4.125%
HK$48,517
baseline
▲ 0.50% · 4.625%
HK$51,469
+HK$2,952/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$97,034/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$752,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,790
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,152
−HK$1,382/mo
Today · 4.125%
HK$53,534
baseline
▲ 0.50% · 4.625%
HK$56,355
+HK$2,821/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$107,068/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$752,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,785
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,489
−HK$1,731/mo
Today · 4.125%
HK$58,220
baseline
▲ 0.50% · 4.625%
HK$61,763
+HK$3,543/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$116,440/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$752,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,947
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,582
−HK$1,658/mo
Today · 4.125%
HK$64,240
baseline
▲ 0.50% · 4.625%
HK$67,626
+HK$3,386/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$128,480/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$752,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,915
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$65,904
−HK$2,020/mo
Today · 4.125%
HK$67,924
baseline
▲ 0.50% · 4.625%
HK$72,057
+HK$4,133/mo
Deposit HK$6.01M · loan HK$14.01M · min. income ≈ HK$135,848/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$752,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,105
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$73,012
−HK$1,935/mo
Today · 4.125%
HK$74,947
baseline
▲ 0.50% · 4.625%
HK$78,897
+HK$3,950/mo
Deposit HK$6.01M · loan HK$14.01M · min. income ≈ HK$149,894/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$752,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,177
−HK$5,153/mo
▼ 0.25% · 3.875%
HK$84,733
−HK$2,597/mo
Today · 4.125%
HK$87,330
baseline
▲ 0.50% · 4.625%
HK$92,644
+HK$5,314/mo
Deposit HK$2.00M · loan HK$18.02M · min. income ≈ HK$174,660/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$752,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,421
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$93,873
−HK$2,487/mo
Today · 4.125%
HK$96,360
baseline
▲ 0.50% · 4.625%
HK$101,440
+HK$5,080/mo
Deposit HK$2.00M · loan HK$18.02M · min. income ≈ HK$192,720/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$752,139 · Scale 2, in force from 26 Feb 2026)