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$45,551
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,968
−HK$1,440/mo
Today · 4.125%
HK$48,408
baseline
▲ 0.50% · 4.625%
HK$51,353
+HK$2,945/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$96,816/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,675
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,034
−HK$1,379/mo
Today · 4.125%
HK$53,413
baseline
▲ 0.50% · 4.625%
HK$56,229
+HK$2,816/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$106,826/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,662
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,362
−HK$1,727/mo
Today · 4.125%
HK$58,089
baseline
▲ 0.50% · 4.625%
HK$61,624
+HK$3,535/mo
Deposit HK$7.99M · loan HK$11.99M · min. income ≈ HK$116,178/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,810
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$62,441
−HK$1,655/mo
Today · 4.125%
HK$64,096
baseline
▲ 0.50% · 4.625%
HK$67,474
+HK$3,378/mo
Deposit HK$7.99M · loan HK$11.99M · min. income ≈ HK$128,192/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,772
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$65,755
−HK$2,016/mo
Today · 4.125%
HK$67,771
baseline
▲ 0.50% · 4.625%
HK$71,895
+HK$4,124/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$135,542/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$749,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,945
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$72,848
−HK$1,930/mo
Today · 4.125%
HK$74,778
baseline
▲ 0.50% · 4.625%
HK$78,720
+HK$3,942/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$149,556/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$749,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,992
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$84,543
−HK$2,591/mo
Today · 4.125%
HK$87,134
baseline
▲ 0.50% · 4.625%
HK$92,436
+HK$5,302/mo
Deposit HK$2.00M · loan HK$17.98M · min. income ≈ HK$174,268/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,216
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$93,662
−HK$2,482/mo
Today · 4.125%
HK$96,144
baseline
▲ 0.50% · 4.625%
HK$101,212
+HK$5,068/mo
Deposit HK$2.00M · loan HK$17.98M · min. income ≈ HK$192,288/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,115 · Scale 2, in force from 26 Feb 2026)