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$45,563
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$46,981
−HK$1,440/mo
Today · 4.125%
HK$48,421
baseline
▲ 0.50% · 4.625%
HK$51,367
+HK$2,946/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$96,842/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,689
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,048
−HK$1,379/mo
Today · 4.125%
HK$53,427
baseline
▲ 0.50% · 4.625%
HK$56,244
+HK$2,817/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$106,854/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,676
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,377
−HK$1,728/mo
Today · 4.125%
HK$58,105
baseline
▲ 0.50% · 4.625%
HK$61,640
+HK$3,535/mo
Deposit HK$7.99M · loan HK$11.99M · min. income ≈ HK$116,210/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,827
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$62,458
−HK$1,655/mo
Today · 4.125%
HK$64,113
baseline
▲ 0.50% · 4.625%
HK$67,492
+HK$3,379/mo
Deposit HK$7.99M · loan HK$11.99M · min. income ≈ HK$128,226/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,789
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$65,773
−HK$2,016/mo
Today · 4.125%
HK$67,789
baseline
▲ 0.50% · 4.625%
HK$71,914
+HK$4,125/mo
Deposit HK$5.99M · loan HK$13.99M · min. income ≈ HK$135,578/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$749,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,964
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$72,868
−HK$1,930/mo
Today · 4.125%
HK$74,798
baseline
▲ 0.50% · 4.625%
HK$78,741
+HK$3,943/mo
Deposit HK$5.99M · loan HK$13.99M · min. income ≈ HK$149,596/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$749,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,014
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$84,565
−HK$2,592/mo
Today · 4.125%
HK$87,157
baseline
▲ 0.50% · 4.625%
HK$92,460
+HK$5,303/mo
Deposit HK$2.00M · loan HK$17.98M · min. income ≈ HK$174,314/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,240
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$93,687
−HK$2,482/mo
Today · 4.125%
HK$96,169
baseline
▲ 0.50% · 4.625%
HK$101,238
+HK$5,069/mo
Deposit HK$2.00M · loan HK$17.98M · min. income ≈ HK$192,338/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,314 · Scale 2, in force from 26 Feb 2026)