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$45,534
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$46,951
−HK$1,439/mo
Today · 4.125%
HK$48,390
baseline
▲ 0.50% · 4.625%
HK$51,334
+HK$2,944/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$96,780/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,657
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$52,015
−HK$1,378/mo
Today · 4.125%
HK$53,393
baseline
▲ 0.50% · 4.625%
HK$56,208
+HK$2,815/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$106,786/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,641
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,341
−HK$1,727/mo
Today · 4.125%
HK$58,068
baseline
▲ 0.50% · 4.625%
HK$61,601
+HK$3,533/mo
Deposit HK$7.99M · loan HK$11.98M · min. income ≈ HK$116,136/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$748,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,788
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$62,418
−HK$1,654/mo
Today · 4.125%
HK$64,072
baseline
▲ 0.50% · 4.625%
HK$67,449
+HK$3,377/mo
Deposit HK$7.99M · loan HK$11.98M · min. income ≈ HK$128,144/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$748,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,748
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$65,731
−HK$2,015/mo
Today · 4.125%
HK$67,746
baseline
▲ 0.50% · 4.625%
HK$71,868
+HK$4,122/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$135,492/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,919
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$72,821
−HK$1,930/mo
Today · 4.125%
HK$74,751
baseline
▲ 0.50% · 4.625%
HK$78,691
+HK$3,940/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$149,502/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,962
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,511
−HK$2,591/mo
Today · 4.125%
HK$87,102
baseline
▲ 0.50% · 4.625%
HK$92,402
+HK$5,300/mo
Deposit HK$2.00M · loan HK$17.97M · min. income ≈ HK$174,204/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$748,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,182
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$93,627
−HK$2,481/mo
Today · 4.125%
HK$96,108
baseline
▲ 0.50% · 4.625%
HK$101,174
+HK$5,066/mo
Deposit HK$2.00M · loan HK$17.97M · min. income ≈ HK$192,216/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$748,837 · Scale 2, in force from 26 Feb 2026)