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$45,555
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$46,972
−HK$1,439/mo
Today · 4.125%
HK$48,411
baseline
▲ 0.50% · 4.625%
HK$51,357
+HK$2,946/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$96,822/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,679
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,038
−HK$1,379/mo
Today · 4.125%
HK$53,417
baseline
▲ 0.50% · 4.625%
HK$56,233
+HK$2,816/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$106,834/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,666
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$56,366
−HK$1,728/mo
Today · 4.125%
HK$58,094
baseline
▲ 0.50% · 4.625%
HK$61,629
+HK$3,535/mo
Deposit HK$7.99M · loan HK$11.99M · min. income ≈ HK$116,188/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,815
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$62,446
−HK$1,655/mo
Today · 4.125%
HK$64,101
baseline
▲ 0.50% · 4.625%
HK$67,480
+HK$3,379/mo
Deposit HK$7.99M · loan HK$11.99M · min. income ≈ HK$128,202/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,777
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$65,761
−HK$2,015/mo
Today · 4.125%
HK$67,776
baseline
▲ 0.50% · 4.625%
HK$71,900
+HK$4,124/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$135,552/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$749,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,951
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$72,854
−HK$1,930/mo
Today · 4.125%
HK$74,784
baseline
▲ 0.50% · 4.625%
HK$78,726
+HK$3,942/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$149,568/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$749,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,999
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$84,549
−HK$2,592/mo
Today · 4.125%
HK$87,141
baseline
▲ 0.50% · 4.625%
HK$92,443
+HK$5,302/mo
Deposit HK$2.00M · loan HK$17.98M · min. income ≈ HK$174,282/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,223
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$93,669
−HK$2,482/mo
Today · 4.125%
HK$96,151
baseline
▲ 0.50% · 4.625%
HK$101,219
+HK$5,068/mo
Deposit HK$2.00M · loan HK$17.98M · min. income ≈ HK$192,302/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,173 · Scale 2, in force from 26 Feb 2026)