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$45,515
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,931
−HK$1,438/mo
Today · 4.125%
HK$48,369
baseline
▲ 0.50% · 4.625%
HK$51,312
+HK$2,943/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$96,738/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,635
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$51,993
−HK$1,378/mo
Today · 4.125%
HK$53,371
baseline
▲ 0.50% · 4.625%
HK$56,184
+HK$2,813/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$106,742/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,618
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$56,317
−HK$1,726/mo
Today · 4.125%
HK$58,043
baseline
▲ 0.50% · 4.625%
HK$61,575
+HK$3,532/mo
Deposit HK$7.98M · loan HK$11.98M · min. income ≈ HK$116,086/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,762
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,392
−HK$1,653/mo
Today · 4.125%
HK$64,045
baseline
▲ 0.50% · 4.625%
HK$67,421
+HK$3,376/mo
Deposit HK$7.98M · loan HK$11.98M · min. income ≈ HK$128,090/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,721
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$65,703
−HK$2,014/mo
Today · 4.125%
HK$67,717
baseline
▲ 0.50% · 4.625%
HK$71,837
+HK$4,120/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$135,434/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,889
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$72,790
−HK$1,929/mo
Today · 4.125%
HK$74,719
baseline
▲ 0.50% · 4.625%
HK$78,658
+HK$3,939/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$149,438/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,927
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$84,476
−HK$2,589/mo
Today · 4.125%
HK$87,065
baseline
▲ 0.50% · 4.625%
HK$92,362
+HK$5,297/mo
Deposit HK$2.00M · loan HK$17.96M · min. income ≈ HK$174,130/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,143
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$93,588
−HK$2,479/mo
Today · 4.125%
HK$96,067
baseline
▲ 0.50% · 4.625%
HK$101,131
+HK$5,064/mo
Deposit HK$2.00M · loan HK$17.96M · min. income ≈ HK$192,134/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,520 · Scale 2, in force from 26 Feb 2026)