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$45,566
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$46,984
−HK$1,440/mo
Today · 4.125%
HK$48,424
baseline
▲ 0.50% · 4.625%
HK$51,370
+HK$2,946/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$96,848/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,692
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,052
−HK$1,379/mo
Today · 4.125%
HK$53,431
baseline
▲ 0.50% · 4.625%
HK$56,247
+HK$2,816/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$106,862/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,680
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$56,380
−HK$1,728/mo
Today · 4.125%
HK$58,108
baseline
▲ 0.50% · 4.625%
HK$61,644
+HK$3,536/mo
Deposit HK$7.99M · loan HK$11.99M · min. income ≈ HK$116,216/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,830
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,462
−HK$1,655/mo
Today · 4.125%
HK$64,117
baseline
▲ 0.50% · 4.625%
HK$67,497
+HK$3,380/mo
Deposit HK$7.99M · loan HK$11.99M · min. income ≈ HK$128,234/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,793
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$65,777
−HK$2,016/mo
Today · 4.125%
HK$67,793
baseline
▲ 0.50% · 4.625%
HK$71,918
+HK$4,125/mo
Deposit HK$5.99M · loan HK$13.99M · min. income ≈ HK$135,586/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$749,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,969
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$72,872
−HK$1,931/mo
Today · 4.125%
HK$74,803
baseline
▲ 0.50% · 4.625%
HK$78,746
+HK$3,943/mo
Deposit HK$5.99M · loan HK$13.99M · min. income ≈ HK$149,606/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$749,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,019
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$84,571
−HK$2,592/mo
Today · 4.125%
HK$87,163
baseline
▲ 0.50% · 4.625%
HK$92,466
+HK$5,303/mo
Deposit HK$2.00M · loan HK$17.98M · min. income ≈ HK$174,326/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,246
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$93,693
−HK$2,482/mo
Today · 4.125%
HK$96,175
baseline
▲ 0.50% · 4.625%
HK$101,245
+HK$5,070/mo
Deposit HK$2.00M · loan HK$17.98M · min. income ≈ HK$192,350/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,362 · Scale 2, in force from 26 Feb 2026)