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$45,557
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$46,974
−HK$1,439/mo
Today · 4.125%
HK$48,413
baseline
▲ 0.50% · 4.625%
HK$51,359
+HK$2,946/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$96,826/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,681
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,040
−HK$1,379/mo
Today · 4.125%
HK$53,419
baseline
▲ 0.50% · 4.625%
HK$56,235
+HK$2,816/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$106,838/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,668
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$56,368
−HK$1,728/mo
Today · 4.125%
HK$58,096
baseline
▲ 0.50% · 4.625%
HK$61,631
+HK$3,535/mo
Deposit HK$7.99M · loan HK$11.99M · min. income ≈ HK$116,192/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,817
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$62,448
−HK$1,655/mo
Today · 4.125%
HK$64,103
baseline
▲ 0.50% · 4.625%
HK$67,482
+HK$3,379/mo
Deposit HK$7.99M · loan HK$11.99M · min. income ≈ HK$128,206/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,779
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$65,763
−HK$2,016/mo
Today · 4.125%
HK$67,779
baseline
▲ 0.50% · 4.625%
HK$71,903
+HK$4,124/mo
Deposit HK$5.99M · loan HK$13.99M · min. income ≈ HK$135,558/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$749,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,954
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$72,857
−HK$1,930/mo
Today · 4.125%
HK$74,787
baseline
▲ 0.50% · 4.625%
HK$78,729
+HK$3,942/mo
Deposit HK$5.99M · loan HK$13.99M · min. income ≈ HK$149,574/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$749,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,002
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$84,552
−HK$2,592/mo
Today · 4.125%
HK$87,144
baseline
▲ 0.50% · 4.625%
HK$92,446
+HK$5,302/mo
Deposit HK$2.00M · loan HK$17.98M · min. income ≈ HK$174,288/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,226
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$93,673
−HK$2,482/mo
Today · 4.125%
HK$96,155
baseline
▲ 0.50% · 4.625%
HK$101,223
+HK$5,068/mo
Deposit HK$2.00M · loan HK$17.98M · min. income ≈ HK$192,310/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,201 · Scale 2, in force from 26 Feb 2026)