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$45,536
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$46,953
−HK$1,439/mo
Today · 4.125%
HK$48,392
baseline
▲ 0.50% · 4.625%
HK$51,336
+HK$2,944/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$96,784/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,659
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,017
−HK$1,379/mo
Today · 4.125%
HK$53,396
baseline
▲ 0.50% · 4.625%
HK$56,210
+HK$2,814/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$106,792/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,644
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$56,343
−HK$1,727/mo
Today · 4.125%
HK$58,070
baseline
▲ 0.50% · 4.625%
HK$61,604
+HK$3,534/mo
Deposit HK$7.99M · loan HK$11.98M · min. income ≈ HK$116,140/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$748,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,790
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,421
−HK$1,654/mo
Today · 4.125%
HK$64,075
baseline
▲ 0.50% · 4.625%
HK$67,452
+HK$3,377/mo
Deposit HK$7.99M · loan HK$11.98M · min. income ≈ HK$128,150/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$748,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,751
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$65,734
−HK$2,015/mo
Today · 4.125%
HK$67,749
baseline
▲ 0.50% · 4.625%
HK$71,871
+HK$4,122/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$135,498/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,922
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$72,824
−HK$1,930/mo
Today · 4.125%
HK$74,754
baseline
▲ 0.50% · 4.625%
HK$78,694
+HK$3,940/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$149,508/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,965
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,515
−HK$2,590/mo
Today · 4.125%
HK$87,105
baseline
▲ 0.50% · 4.625%
HK$92,406
+HK$5,301/mo
Deposit HK$2.00M · loan HK$17.97M · min. income ≈ HK$174,210/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$748,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,186
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$93,631
−HK$2,481/mo
Today · 4.125%
HK$96,112
baseline
▲ 0.50% · 4.625%
HK$101,178
+HK$5,066/mo
Deposit HK$2.00M · loan HK$17.97M · min. income ≈ HK$192,224/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$748,869 · Scale 2, in force from 26 Feb 2026)