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$45,529
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,945
−HK$1,439/mo
Today · 4.125%
HK$48,384
baseline
▲ 0.50% · 4.625%
HK$51,328
+HK$2,944/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$96,768/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,651
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$52,009
−HK$1,378/mo
Today · 4.125%
HK$53,387
baseline
▲ 0.50% · 4.625%
HK$56,201
+HK$2,814/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$106,774/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,635
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$56,334
−HK$1,727/mo
Today · 4.125%
HK$58,061
baseline
▲ 0.50% · 4.625%
HK$61,594
+HK$3,533/mo
Deposit HK$7.99M · loan HK$11.98M · min. income ≈ HK$116,122/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$748,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,781
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$62,411
−HK$1,654/mo
Today · 4.125%
HK$64,065
baseline
▲ 0.50% · 4.625%
HK$67,442
+HK$3,377/mo
Deposit HK$7.99M · loan HK$11.98M · min. income ≈ HK$128,130/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$748,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,741
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$65,724
−HK$2,014/mo
Today · 4.125%
HK$67,738
baseline
▲ 0.50% · 4.625%
HK$71,860
+HK$4,122/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$135,476/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,911
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$72,813
−HK$1,929/mo
Today · 4.125%
HK$74,742
baseline
▲ 0.50% · 4.625%
HK$78,682
+HK$3,940/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$149,484/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,952
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,502
−HK$2,590/mo
Today · 4.125%
HK$87,092
baseline
▲ 0.50% · 4.625%
HK$92,391
+HK$5,299/mo
Deposit HK$2.00M · loan HK$17.97M · min. income ≈ HK$174,184/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$748,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,171
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$93,616
−HK$2,481/mo
Today · 4.125%
HK$96,097
baseline
▲ 0.50% · 4.625%
HK$101,162
+HK$5,065/mo
Deposit HK$2.00M · loan HK$17.97M · min. income ≈ HK$192,194/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$748,751 · Scale 2, in force from 26 Feb 2026)