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$45,579
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$46,997
−HK$1,440/mo
Today · 4.125%
HK$48,437
baseline
▲ 0.50% · 4.625%
HK$51,384
+HK$2,947/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$96,874/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,706
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,066
−HK$1,379/mo
Today · 4.125%
HK$53,445
baseline
▲ 0.50% · 4.625%
HK$56,263
+HK$2,818/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$106,890/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,695
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,396
−HK$1,728/mo
Today · 4.125%
HK$58,124
baseline
▲ 0.50% · 4.625%
HK$61,661
+HK$3,537/mo
Deposit HK$8.00M · loan HK$11.99M · min. income ≈ HK$116,248/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,847
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$62,479
−HK$1,656/mo
Today · 4.125%
HK$64,135
baseline
▲ 0.50% · 4.625%
HK$67,515
+HK$3,380/mo
Deposit HK$8.00M · loan HK$11.99M · min. income ≈ HK$128,270/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,810
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$65,795
−HK$2,017/mo
Today · 4.125%
HK$67,812
baseline
▲ 0.50% · 4.625%
HK$71,938
+HK$4,126/mo
Deposit HK$6.00M · loan HK$13.99M · min. income ≈ HK$135,624/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,988
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$72,892
−HK$1,932/mo
Today · 4.125%
HK$74,824
baseline
▲ 0.50% · 4.625%
HK$78,768
+HK$3,944/mo
Deposit HK$6.00M · loan HK$13.99M · min. income ≈ HK$149,648/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,042
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$84,594
−HK$2,593/mo
Today · 4.125%
HK$87,187
baseline
▲ 0.50% · 4.625%
HK$92,492
+HK$5,305/mo
Deposit HK$2.00M · loan HK$17.99M · min. income ≈ HK$174,374/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,271
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$93,719
−HK$2,483/mo
Today · 4.125%
HK$96,202
baseline
▲ 0.50% · 4.625%
HK$101,273
+HK$5,071/mo
Deposit HK$2.00M · loan HK$17.99M · min. income ≈ HK$192,404/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,568 · Scale 2, in force from 26 Feb 2026)