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$45,522
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,938
−HK$1,438/mo
Today · 4.125%
HK$48,376
baseline
▲ 0.50% · 4.625%
HK$51,320
+HK$2,944/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$96,752/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,642
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$52,001
−HK$1,377/mo
Today · 4.125%
HK$53,378
baseline
▲ 0.50% · 4.625%
HK$56,192
+HK$2,814/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$106,756/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,626
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$56,325
−HK$1,727/mo
Today · 4.125%
HK$58,052
baseline
▲ 0.50% · 4.625%
HK$61,584
+HK$3,532/mo
Deposit HK$7.99M · loan HK$11.98M · min. income ≈ HK$116,104/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,771
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,401
−HK$1,653/mo
Today · 4.125%
HK$64,054
baseline
▲ 0.50% · 4.625%
HK$67,431
+HK$3,377/mo
Deposit HK$7.99M · loan HK$11.98M · min. income ≈ HK$128,108/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,730
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$65,713
−HK$2,014/mo
Today · 4.125%
HK$67,727
baseline
▲ 0.50% · 4.625%
HK$71,848
+HK$4,121/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$135,454/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,899
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$72,801
−HK$1,929/mo
Today · 4.125%
HK$74,730
baseline
▲ 0.50% · 4.625%
HK$78,669
+HK$3,939/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$149,460/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,939
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$84,488
−HK$2,589/mo
Today · 4.125%
HK$87,077
baseline
▲ 0.50% · 4.625%
HK$92,376
+HK$5,299/mo
Deposit HK$2.00M · loan HK$17.97M · min. income ≈ HK$174,154/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,156
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$93,601
−HK$2,480/mo
Today · 4.125%
HK$96,081
baseline
▲ 0.50% · 4.625%
HK$101,146
+HK$5,065/mo
Deposit HK$2.00M · loan HK$17.97M · min. income ≈ HK$192,162/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,628 · Scale 2, in force from 26 Feb 2026)