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$45,577
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$46,995
−HK$1,441/mo
Today · 4.125%
HK$48,436
baseline
▲ 0.50% · 4.625%
HK$51,383
+HK$2,947/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$96,872/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,704
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$52,064
−HK$1,380/mo
Today · 4.125%
HK$53,444
baseline
▲ 0.50% · 4.625%
HK$56,261
+HK$2,817/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$106,888/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,693
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$56,394
−HK$1,729/mo
Today · 4.125%
HK$58,123
baseline
▲ 0.50% · 4.625%
HK$61,659
+HK$3,536/mo
Deposit HK$8.00M · loan HK$11.99M · min. income ≈ HK$116,246/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,845
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$62,477
−HK$1,656/mo
Today · 4.125%
HK$64,133
baseline
▲ 0.50% · 4.625%
HK$67,513
+HK$3,380/mo
Deposit HK$8.00M · loan HK$11.99M · min. income ≈ HK$128,266/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,808
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$65,793
−HK$2,017/mo
Today · 4.125%
HK$67,810
baseline
▲ 0.50% · 4.625%
HK$71,936
+HK$4,126/mo
Deposit HK$6.00M · loan HK$13.99M · min. income ≈ HK$135,620/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,986
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$72,890
−HK$1,931/mo
Today · 4.125%
HK$74,821
baseline
▲ 0.50% · 4.625%
HK$78,765
+HK$3,944/mo
Deposit HK$6.00M · loan HK$13.99M · min. income ≈ HK$149,642/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,039
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$84,591
−HK$2,593/mo
Today · 4.125%
HK$87,184
baseline
▲ 0.50% · 4.625%
HK$92,489
+HK$5,305/mo
Deposit HK$2.00M · loan HK$17.99M · min. income ≈ HK$174,368/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,268
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$93,716
−HK$2,483/mo
Today · 4.125%
HK$96,199
baseline
▲ 0.50% · 4.625%
HK$101,270
+HK$5,071/mo
Deposit HK$2.00M · loan HK$17.99M · min. income ≈ HK$192,398/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,546 · Scale 2, in force from 26 Feb 2026)