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$45,526
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,943
−HK$1,438/mo
Today · 4.125%
HK$48,381
baseline
▲ 0.50% · 4.625%
HK$51,325
+HK$2,944/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$96,762/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,648
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$52,006
−HK$1,378/mo
Today · 4.125%
HK$53,384
baseline
▲ 0.50% · 4.625%
HK$56,198
+HK$2,814/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$106,768/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,632
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$56,331
−HK$1,727/mo
Today · 4.125%
HK$58,058
baseline
▲ 0.50% · 4.625%
HK$61,590
+HK$3,532/mo
Deposit HK$7.99M · loan HK$11.98M · min. income ≈ HK$116,116/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,777
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$62,407
−HK$1,654/mo
Today · 4.125%
HK$64,061
baseline
▲ 0.50% · 4.625%
HK$67,438
+HK$3,377/mo
Deposit HK$7.99M · loan HK$11.98M · min. income ≈ HK$128,122/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,737
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$65,720
−HK$2,014/mo
Today · 4.125%
HK$67,734
baseline
▲ 0.50% · 4.625%
HK$71,855
+HK$4,121/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$135,468/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,907
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$72,809
−HK$1,929/mo
Today · 4.125%
HK$74,738
baseline
▲ 0.50% · 4.625%
HK$78,677
+HK$3,939/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$149,476/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,948
−HK$5,139/mo
▼ 0.25% · 3.875%
HK$84,497
−HK$2,590/mo
Today · 4.125%
HK$87,087
baseline
▲ 0.50% · 4.625%
HK$92,386
+HK$5,299/mo
Deposit HK$2.00M · loan HK$17.97M · min. income ≈ HK$174,174/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$748,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,166
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$93,611
−HK$2,480/mo
Today · 4.125%
HK$96,091
baseline
▲ 0.50% · 4.625%
HK$101,156
+HK$5,065/mo
Deposit HK$2.00M · loan HK$17.97M · min. income ≈ HK$192,182/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$748,707 · Scale 2, in force from 26 Feb 2026)