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$45,578
−HK$2,858/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$749,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,705
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,065
−HK$1,379/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$749,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,693
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$56,395
−HK$1,728/mo
Today · 4.125%
HK$58,123
baseline
▲ 0.50% · 4.625%
HK$61,660
+HK$3,537/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$749,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,846
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,478
−HK$1,655/mo
Today · 4.125%
HK$64,133
baseline
▲ 0.50% · 4.625%
HK$67,514
+HK$3,381/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$749,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,809
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$65,794
−HK$2,016/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$749,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,987
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$72,890
−HK$1,932/mo
Today · 4.125%
HK$74,822
baseline
▲ 0.50% · 4.625%
HK$78,766
+HK$3,944/mo
Deposit HK$6.00M · loan HK$13.99M · min. income ≈ HK$149,644/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,040
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$84,592
−HK$2,592/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$749,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,269
−HK$4,930/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$749,549 · Scale 2, in force from 26 Feb 2026)