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$45,542
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,958
−HK$1,439/mo
Today · 4.125%
HK$48,397
baseline
▲ 0.50% · 4.625%
HK$51,342
+HK$2,945/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$96,794/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$748,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,664
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,023
−HK$1,379/mo
Today · 4.125%
HK$53,402
baseline
▲ 0.50% · 4.625%
HK$56,217
+HK$2,815/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$106,804/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$748,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,650
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,350
−HK$1,727/mo
Today · 4.125%
HK$58,077
baseline
▲ 0.50% · 4.625%
HK$61,611
+HK$3,534/mo
Deposit HK$7.99M · loan HK$11.98M · min. income ≈ HK$116,154/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$748,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,797
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,428
−HK$1,654/mo
Today · 4.125%
HK$64,082
baseline
▲ 0.50% · 4.625%
HK$67,460
+HK$3,378/mo
Deposit HK$7.99M · loan HK$11.98M · min. income ≈ HK$128,164/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$748,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,758
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$65,741
−HK$2,015/mo
Today · 4.125%
HK$67,756
baseline
▲ 0.50% · 4.625%
HK$71,879
+HK$4,123/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$135,512/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,930
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$72,833
−HK$1,929/mo
Today · 4.125%
HK$74,762
baseline
▲ 0.50% · 4.625%
HK$78,703
+HK$3,941/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$149,524/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,975
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,525
−HK$2,590/mo
Today · 4.125%
HK$87,115
baseline
▲ 0.50% · 4.625%
HK$92,416
+HK$5,301/mo
Deposit HK$2.00M · loan HK$17.97M · min. income ≈ HK$174,230/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$748,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,196
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$93,642
−HK$2,481/mo
Today · 4.125%
HK$96,123
baseline
▲ 0.50% · 4.625%
HK$101,190
+HK$5,067/mo
Deposit HK$2.00M · loan HK$17.97M · min. income ≈ HK$192,246/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$748,954 · Scale 2, in force from 26 Feb 2026)