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$45,655
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,075
−HK$1,442/mo
Today · 4.125%
HK$48,517
baseline
▲ 0.50% · 4.625%
HK$51,470
+HK$2,953/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$752,167 · 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$56,356
+HK$2,822/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$752,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,785
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$56,490
−HK$1,731/mo
Today · 4.125%
HK$58,221
baseline
▲ 0.50% · 4.625%
HK$61,764
+HK$3,543/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$116,442/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$752,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,948
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,583
−HK$1,658/mo
Today · 4.125%
HK$64,241
baseline
▲ 0.50% · 4.625%
HK$67,627
+HK$3,386/mo
Deposit HK$8.01M · loan HK$12.01M · min. income ≈ HK$128,482/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$752,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,916
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$65,905
−HK$2,019/mo
Today · 4.125%
HK$67,924
baseline
▲ 0.50% · 4.625%
HK$72,058
+HK$4,134/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$135,848/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$752,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,106
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$73,013
−HK$1,935/mo
Today · 4.125%
HK$74,948
baseline
▲ 0.50% · 4.625%
HK$78,899
+HK$3,951/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$149,896/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$752,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,178
−HK$5,153/mo
▼ 0.25% · 3.875%
HK$84,734
−HK$2,597/mo
Today · 4.125%
HK$87,331
baseline
▲ 0.50% · 4.625%
HK$92,645
+HK$5,314/mo
Deposit HK$2.00M · loan HK$18.02M · min. income ≈ HK$174,662/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$752,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,422
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$93,874
−HK$2,488/mo
Today · 4.125%
HK$96,362
baseline
▲ 0.50% · 4.625%
HK$101,441
+HK$5,079/mo
Deposit HK$2.00M · loan HK$18.02M · min. income ≈ HK$192,724/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$752,167 · Scale 2, in force from 26 Feb 2026)