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$45,546
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,963
−HK$1,440/mo
Today · 4.125%
HK$48,403
baseline
▲ 0.50% · 4.625%
HK$51,348
+HK$2,945/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$96,806/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,670
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,029
−HK$1,378/mo
Today · 4.125%
HK$53,407
baseline
▲ 0.50% · 4.625%
HK$56,223
+HK$2,816/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$106,814/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,656
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,356
−HK$1,727/mo
Today · 4.125%
HK$58,083
baseline
▲ 0.50% · 4.625%
HK$61,617
+HK$3,534/mo
Deposit HK$7.99M · loan HK$11.98M · min. income ≈ HK$116,166/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,804
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,435
−HK$1,654/mo
Today · 4.125%
HK$64,089
baseline
▲ 0.50% · 4.625%
HK$67,467
+HK$3,378/mo
Deposit HK$7.99M · loan HK$11.98M · min. income ≈ HK$128,178/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,765
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$65,748
−HK$2,016/mo
Today · 4.125%
HK$67,764
baseline
▲ 0.50% · 4.625%
HK$71,887
+HK$4,123/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$135,528/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$749,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,938
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$72,840
−HK$1,930/mo
Today · 4.125%
HK$74,770
baseline
▲ 0.50% · 4.625%
HK$78,712
+HK$3,942/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$149,540/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$749,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,983
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$84,534
−HK$2,591/mo
Today · 4.125%
HK$87,125
baseline
▲ 0.50% · 4.625%
HK$92,426
+HK$5,301/mo
Deposit HK$2.00M · loan HK$17.98M · min. income ≈ HK$174,250/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,206
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$93,652
−HK$2,481/mo
Today · 4.125%
HK$96,133
baseline
▲ 0.50% · 4.625%
HK$101,201
+HK$5,068/mo
Deposit HK$2.00M · loan HK$17.98M · min. income ≈ HK$192,266/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,034 · Scale 2, in force from 26 Feb 2026)