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$45,504
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,920
−HK$1,438/mo
Today · 4.125%
HK$48,358
baseline
▲ 0.50% · 4.625%
HK$51,300
+HK$2,942/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$96,716/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,623
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,981
−HK$1,377/mo
Today · 4.125%
HK$53,358
baseline
▲ 0.50% · 4.625%
HK$56,171
+HK$2,813/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$106,716/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,605
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$56,304
−HK$1,726/mo
Today · 4.125%
HK$58,030
baseline
▲ 0.50% · 4.625%
HK$61,560
+HK$3,530/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$116,060/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,748
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$62,377
−HK$1,653/mo
Today · 4.125%
HK$64,030
baseline
▲ 0.50% · 4.625%
HK$67,405
+HK$3,375/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$128,060/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,706
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$65,688
−HK$2,013/mo
Today · 4.125%
HK$67,701
baseline
▲ 0.50% · 4.625%
HK$71,821
+HK$4,120/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$135,402/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,872
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$72,773
−HK$1,929/mo
Today · 4.125%
HK$74,702
baseline
▲ 0.50% · 4.625%
HK$78,639
+HK$3,937/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$149,404/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,908
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$84,456
−HK$2,588/mo
Today · 4.125%
HK$87,044
baseline
▲ 0.50% · 4.625%
HK$92,341
+HK$5,297/mo
Deposit HK$2.00M · loan HK$17.96M · min. income ≈ HK$174,088/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,122
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$93,566
−HK$2,479/mo
Today · 4.125%
HK$96,045
baseline
▲ 0.50% · 4.625%
HK$101,107
+HK$5,062/mo
Deposit HK$2.00M · loan HK$17.96M · min. income ≈ HK$192,090/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,344 · Scale 2, in force from 26 Feb 2026)