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$45,560
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,977
−HK$1,440/mo
Today · 4.125%
HK$48,417
baseline
▲ 0.50% · 4.625%
HK$51,363
+HK$2,946/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$96,834/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,685
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,044
−HK$1,379/mo
Today · 4.125%
HK$53,423
baseline
▲ 0.50% · 4.625%
HK$56,239
+HK$2,816/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$106,846/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,672
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$56,373
−HK$1,727/mo
Today · 4.125%
HK$58,100
baseline
▲ 0.50% · 4.625%
HK$61,636
+HK$3,536/mo
Deposit HK$7.99M · loan HK$11.99M · min. income ≈ HK$116,200/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,822
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$62,453
−HK$1,655/mo
Today · 4.125%
HK$64,108
baseline
▲ 0.50% · 4.625%
HK$67,487
+HK$3,379/mo
Deposit HK$7.99M · loan HK$11.99M · min. income ≈ HK$128,216/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,784
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$65,768
−HK$2,016/mo
Today · 4.125%
HK$67,784
baseline
▲ 0.50% · 4.625%
HK$71,908
+HK$4,124/mo
Deposit HK$5.99M · loan HK$13.99M · min. income ≈ HK$135,568/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$749,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,959
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$72,862
−HK$1,931/mo
Today · 4.125%
HK$74,793
baseline
▲ 0.50% · 4.625%
HK$78,735
+HK$3,942/mo
Deposit HK$5.99M · loan HK$13.99M · min. income ≈ HK$149,586/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$749,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,008
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$84,559
−HK$2,591/mo
Today · 4.125%
HK$87,150
baseline
▲ 0.50% · 4.625%
HK$92,453
+HK$5,303/mo
Deposit HK$2.00M · loan HK$17.98M · min. income ≈ HK$174,300/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,233
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$93,680
−HK$2,482/mo
Today · 4.125%
HK$96,162
baseline
▲ 0.50% · 4.625%
HK$101,231
+HK$5,069/mo
Deposit HK$2.00M · loan HK$17.98M · min. income ≈ HK$192,324/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,257 · Scale 2, in force from 26 Feb 2026)