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$45,512
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,928
−HK$1,438/mo
Today · 4.125%
HK$48,366
baseline
▲ 0.50% · 4.625%
HK$51,309
+HK$2,943/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$96,732/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,632
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$51,990
−HK$1,378/mo
Today · 4.125%
HK$53,368
baseline
▲ 0.50% · 4.625%
HK$56,181
+HK$2,813/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$106,736/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,615
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$56,314
−HK$1,726/mo
Today · 4.125%
HK$58,040
baseline
▲ 0.50% · 4.625%
HK$61,571
+HK$3,531/mo
Deposit HK$7.98M · loan HK$11.98M · min. income ≈ HK$116,080/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,758
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,388
−HK$1,653/mo
Today · 4.125%
HK$64,041
baseline
▲ 0.50% · 4.625%
HK$67,417
+HK$3,376/mo
Deposit HK$7.98M · loan HK$11.98M · min. income ≈ HK$128,082/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,717
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$65,699
−HK$2,014/mo
Today · 4.125%
HK$67,713
baseline
▲ 0.50% · 4.625%
HK$71,833
+HK$4,120/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$135,426/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,885
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$72,786
−HK$1,929/mo
Today · 4.125%
HK$74,715
baseline
▲ 0.50% · 4.625%
HK$78,653
+HK$3,938/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$149,430/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,922
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$84,471
−HK$2,589/mo
Today · 4.125%
HK$87,060
baseline
▲ 0.50% · 4.625%
HK$92,357
+HK$5,297/mo
Deposit HK$2.00M · loan HK$17.96M · min. income ≈ HK$174,120/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,138
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$93,582
−HK$2,480/mo
Today · 4.125%
HK$96,062
baseline
▲ 0.50% · 4.625%
HK$101,125
+HK$5,063/mo
Deposit HK$2.00M · loan HK$17.96M · min. income ≈ HK$192,124/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,475 · Scale 2, in force from 26 Feb 2026)