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$45,634
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,053
−HK$1,442/mo
Today · 4.125%
HK$48,495
baseline
▲ 0.50% · 4.625%
HK$51,446
+HK$2,951/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$96,990/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$751,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,767
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,128
−HK$1,382/mo
Today · 4.125%
HK$53,510
baseline
▲ 0.50% · 4.625%
HK$56,330
+HK$2,820/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$107,020/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$751,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,760
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,464
−HK$1,730/mo
Today · 4.125%
HK$58,194
baseline
▲ 0.50% · 4.625%
HK$61,735
+HK$3,541/mo
Deposit HK$8.00M · loan HK$12.01M · min. income ≈ HK$116,388/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$751,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,920
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,554
−HK$1,658/mo
Today · 4.125%
HK$64,212
baseline
▲ 0.50% · 4.625%
HK$67,596
+HK$3,384/mo
Deposit HK$8.00M · loan HK$12.01M · min. income ≈ HK$128,424/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$751,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,887
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$65,874
−HK$2,019/mo
Today · 4.125%
HK$67,893
baseline
▲ 0.50% · 4.625%
HK$72,024
+HK$4,131/mo
Deposit HK$6.00M · loan HK$14.01M · min. income ≈ HK$135,786/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$751,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,074
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$72,980
−HK$1,933/mo
Today · 4.125%
HK$74,913
baseline
▲ 0.50% · 4.625%
HK$78,862
+HK$3,949/mo
Deposit HK$6.00M · loan HK$14.01M · min. income ≈ HK$149,826/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$751,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,140
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$84,695
−HK$2,596/mo
Today · 4.125%
HK$87,291
baseline
▲ 0.50% · 4.625%
HK$92,603
+HK$5,312/mo
Deposit HK$2.00M · loan HK$18.01M · min. income ≈ HK$174,582/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$751,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,380
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$93,831
−HK$2,486/mo
Today · 4.125%
HK$96,317
baseline
▲ 0.50% · 4.625%
HK$101,394
+HK$5,077/mo
Deposit HK$2.00M · loan HK$18.01M · min. income ≈ HK$192,634/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$751,245 · Scale 2, in force from 26 Feb 2026)