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$45,497
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,912
−HK$1,438/mo
Today · 4.125%
HK$48,350
baseline
▲ 0.50% · 4.625%
HK$51,292
+HK$2,942/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$96,700/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$748,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,615
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,972
−HK$1,377/mo
Today · 4.125%
HK$53,349
baseline
▲ 0.50% · 4.625%
HK$56,161
+HK$2,812/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$106,698/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$748,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,596
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$56,294
−HK$1,726/mo
Today · 4.125%
HK$58,020
baseline
▲ 0.50% · 4.625%
HK$61,550
+HK$3,530/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$116,040/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,737
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$62,366
−HK$1,653/mo
Today · 4.125%
HK$64,019
baseline
▲ 0.50% · 4.625%
HK$67,393
+HK$3,374/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$128,038/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,695
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$65,677
−HK$2,013/mo
Today · 4.125%
HK$67,690
baseline
▲ 0.50% · 4.625%
HK$71,808
+HK$4,118/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$135,380/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$748,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,860
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$72,761
−HK$1,928/mo
Today · 4.125%
HK$74,689
baseline
▲ 0.50% · 4.625%
HK$78,626
+HK$3,937/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$149,378/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$748,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,894
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$84,441
−HK$2,588/mo
Today · 4.125%
HK$87,029
baseline
▲ 0.50% · 4.625%
HK$92,325
+HK$5,296/mo
Deposit HK$2.00M · loan HK$17.96M · min. income ≈ HK$174,058/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,106
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$93,550
−HK$2,478/mo
Today · 4.125%
HK$96,028
baseline
▲ 0.50% · 4.625%
HK$101,090
+HK$5,062/mo
Deposit HK$2.00M · loan HK$17.96M · min. income ≈ HK$192,056/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,217 · Scale 2, in force from 26 Feb 2026)