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$45,544
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$46,960
−HK$1,440/mo
Today · 4.125%
HK$48,400
baseline
▲ 0.50% · 4.625%
HK$51,345
+HK$2,945/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$96,800/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$748,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,667
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,026
−HK$1,378/mo
Today · 4.125%
HK$53,404
baseline
▲ 0.50% · 4.625%
HK$56,219
+HK$2,815/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$106,808/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$748,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,652
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$56,352
−HK$1,728/mo
Today · 4.125%
HK$58,080
baseline
▲ 0.50% · 4.625%
HK$61,614
+HK$3,534/mo
Deposit HK$7.99M · loan HK$11.98M · min. income ≈ HK$116,160/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$748,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,800
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,431
−HK$1,654/mo
Today · 4.125%
HK$64,085
baseline
▲ 0.50% · 4.625%
HK$67,463
+HK$3,378/mo
Deposit HK$7.99M · loan HK$11.98M · min. income ≈ HK$128,170/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$748,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,761
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$65,744
−HK$2,015/mo
Today · 4.125%
HK$67,759
baseline
▲ 0.50% · 4.625%
HK$71,882
+HK$4,123/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$135,518/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,934
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$72,836
−HK$1,930/mo
Today · 4.125%
HK$74,766
baseline
▲ 0.50% · 4.625%
HK$78,707
+HK$3,941/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$149,532/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,979
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,529
−HK$2,590/mo
Today · 4.125%
HK$87,119
baseline
▲ 0.50% · 4.625%
HK$92,420
+HK$5,301/mo
Deposit HK$2.00M · loan HK$17.98M · min. income ≈ HK$174,238/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$748,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,200
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$93,646
−HK$2,482/mo
Today · 4.125%
HK$96,128
baseline
▲ 0.50% · 4.625%
HK$101,195
+HK$5,067/mo
Deposit HK$2.00M · loan HK$17.98M · min. income ≈ HK$192,256/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$748,989 · Scale 2, in force from 26 Feb 2026)