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$45,565
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$46,983
−HK$1,440/mo
Today · 4.125%
HK$48,423
baseline
▲ 0.50% · 4.625%
HK$51,369
+HK$2,946/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$96,846/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,691
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,050
−HK$1,380/mo
Today · 4.125%
HK$53,430
baseline
▲ 0.50% · 4.625%
HK$56,246
+HK$2,816/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$106,860/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,678
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,379
−HK$1,728/mo
Today · 4.125%
HK$58,107
baseline
▲ 0.50% · 4.625%
HK$61,643
+HK$3,536/mo
Deposit HK$7.99M · loan HK$11.99M · min. income ≈ HK$116,214/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,829
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,461
−HK$1,655/mo
Today · 4.125%
HK$64,116
baseline
▲ 0.50% · 4.625%
HK$67,495
+HK$3,379/mo
Deposit HK$7.99M · loan HK$11.99M · min. income ≈ HK$128,232/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,791
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$65,776
−HK$2,016/mo
Today · 4.125%
HK$67,792
baseline
▲ 0.50% · 4.625%
HK$71,917
+HK$4,125/mo
Deposit HK$5.99M · loan HK$13.99M · min. income ≈ HK$135,584/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$749,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,967
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$72,871
−HK$1,931/mo
Today · 4.125%
HK$74,802
baseline
▲ 0.50% · 4.625%
HK$78,744
+HK$3,942/mo
Deposit HK$5.99M · loan HK$13.99M · min. income ≈ HK$149,604/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$749,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,018
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$84,569
−HK$2,592/mo
Today · 4.125%
HK$87,161
baseline
▲ 0.50% · 4.625%
HK$92,464
+HK$5,303/mo
Deposit HK$2.00M · loan HK$17.98M · min. income ≈ HK$174,322/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,244
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$93,691
−HK$2,482/mo
Today · 4.125%
HK$96,173
baseline
▲ 0.50% · 4.625%
HK$101,243
+HK$5,070/mo
Deposit HK$2.00M · loan HK$17.98M · min. income ≈ HK$192,346/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,346 · Scale 2, in force from 26 Feb 2026)