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$45,517
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,933
−HK$1,438/mo
Today · 4.125%
HK$48,371
baseline
▲ 0.50% · 4.625%
HK$51,314
+HK$2,943/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$96,742/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,637
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$51,995
−HK$1,378/mo
Today · 4.125%
HK$53,373
baseline
▲ 0.50% · 4.625%
HK$56,186
+HK$2,813/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$106,746/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,620
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$56,319
−HK$1,726/mo
Today · 4.125%
HK$58,045
baseline
▲ 0.50% · 4.625%
HK$61,577
+HK$3,532/mo
Deposit HK$7.98M · loan HK$11.98M · min. income ≈ HK$116,090/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,764
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,394
−HK$1,653/mo
Today · 4.125%
HK$64,047
baseline
▲ 0.50% · 4.625%
HK$67,423
+HK$3,376/mo
Deposit HK$7.98M · loan HK$11.98M · min. income ≈ HK$128,094/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,723
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$65,706
−HK$2,013/mo
Today · 4.125%
HK$67,719
baseline
▲ 0.50% · 4.625%
HK$71,840
+HK$4,121/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$135,438/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,892
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$72,793
−HK$1,929/mo
Today · 4.125%
HK$74,722
baseline
▲ 0.50% · 4.625%
HK$78,660
+HK$3,938/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$149,444/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,930
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$84,479
−HK$2,589/mo
Today · 4.125%
HK$87,068
baseline
▲ 0.50% · 4.625%
HK$92,366
+HK$5,298/mo
Deposit HK$2.00M · loan HK$17.97M · min. income ≈ HK$174,136/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,146
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$93,591
−HK$2,480/mo
Today · 4.125%
HK$96,071
baseline
▲ 0.50% · 4.625%
HK$101,135
+HK$5,064/mo
Deposit HK$2.00M · loan HK$17.97M · min. income ≈ HK$192,142/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,546 · Scale 2, in force from 26 Feb 2026)