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$45,510
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,925
−HK$1,439/mo
Today · 4.125%
HK$48,364
baseline
▲ 0.50% · 4.625%
HK$51,306
+HK$2,942/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$96,728/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,629
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,987
−HK$1,377/mo
Today · 4.125%
HK$53,364
baseline
▲ 0.50% · 4.625%
HK$56,177
+HK$2,813/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$106,728/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,612
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$56,310
−HK$1,726/mo
Today · 4.125%
HK$58,036
baseline
▲ 0.50% · 4.625%
HK$61,568
+HK$3,532/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$116,072/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,755
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$62,384
−HK$1,653/mo
Today · 4.125%
HK$64,037
baseline
▲ 0.50% · 4.625%
HK$67,413
+HK$3,376/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$128,074/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,714
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$65,695
−HK$2,014/mo
Today · 4.125%
HK$67,709
baseline
▲ 0.50% · 4.625%
HK$71,829
+HK$4,120/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$135,418/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,881
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$72,782
−HK$1,928/mo
Today · 4.125%
HK$74,710
baseline
▲ 0.50% · 4.625%
HK$78,648
+HK$3,938/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$149,420/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,917
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$84,466
−HK$2,588/mo
Today · 4.125%
HK$87,054
baseline
▲ 0.50% · 4.625%
HK$92,352
+HK$5,298/mo
Deposit HK$2.00M · loan HK$17.96M · min. income ≈ HK$174,108/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,132
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$93,577
−HK$2,479/mo
Today · 4.125%
HK$96,056
baseline
▲ 0.50% · 4.625%
HK$101,119
+HK$5,063/mo
Deposit HK$2.00M · loan HK$17.96M · min. income ≈ HK$192,112/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,431 · Scale 2, in force from 26 Feb 2026)