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$45,507
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,922
−HK$1,438/mo
Today · 4.125%
HK$48,360
baseline
▲ 0.50% · 4.625%
HK$51,303
+HK$2,943/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$96,720/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,626
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,983
−HK$1,378/mo
Today · 4.125%
HK$53,361
baseline
▲ 0.50% · 4.625%
HK$56,173
+HK$2,812/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$106,722/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,608
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$56,307
−HK$1,725/mo
Today · 4.125%
HK$58,032
baseline
▲ 0.50% · 4.625%
HK$61,563
+HK$3,531/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$116,064/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,751
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$62,380
−HK$1,653/mo
Today · 4.125%
HK$64,033
baseline
▲ 0.50% · 4.625%
HK$67,408
+HK$3,375/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$128,066/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,709
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$65,691
−HK$2,013/mo
Today · 4.125%
HK$67,704
baseline
▲ 0.50% · 4.625%
HK$71,824
+HK$4,120/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$135,408/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,876
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$72,777
−HK$1,928/mo
Today · 4.125%
HK$74,705
baseline
▲ 0.50% · 4.625%
HK$78,643
+HK$3,938/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$149,410/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,912
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$84,460
−HK$2,588/mo
Today · 4.125%
HK$87,048
baseline
▲ 0.50% · 4.625%
HK$92,345
+HK$5,297/mo
Deposit HK$2.00M · loan HK$17.96M · min. income ≈ HK$174,096/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,126
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$93,570
−HK$2,479/mo
Today · 4.125%
HK$96,049
baseline
▲ 0.50% · 4.625%
HK$101,112
+HK$5,063/mo
Deposit HK$2.00M · loan HK$17.96M · min. income ≈ HK$192,098/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,380 · Scale 2, in force from 26 Feb 2026)