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$45,519
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,935
−HK$1,439/mo
Today · 4.125%
HK$48,374
baseline
▲ 0.50% · 4.625%
HK$51,317
+HK$2,943/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$96,748/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,640
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$51,998
−HK$1,378/mo
Today · 4.125%
HK$53,376
baseline
▲ 0.50% · 4.625%
HK$56,189
+HK$2,813/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$106,752/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,623
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$56,322
−HK$1,727/mo
Today · 4.125%
HK$58,049
baseline
▲ 0.50% · 4.625%
HK$61,581
+HK$3,532/mo
Deposit HK$7.98M · loan HK$11.98M · min. income ≈ HK$116,098/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,768
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,397
−HK$1,654/mo
Today · 4.125%
HK$64,051
baseline
▲ 0.50% · 4.625%
HK$67,427
+HK$3,376/mo
Deposit HK$7.98M · loan HK$11.98M · min. income ≈ HK$128,102/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,727
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$65,709
−HK$2,014/mo
Today · 4.125%
HK$67,723
baseline
▲ 0.50% · 4.625%
HK$71,844
+HK$4,121/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$135,446/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,896
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$72,797
−HK$1,929/mo
Today · 4.125%
HK$74,726
baseline
▲ 0.50% · 4.625%
HK$78,665
+HK$3,939/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$149,452/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,935
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$84,483
−HK$2,590/mo
Today · 4.125%
HK$87,073
baseline
▲ 0.50% · 4.625%
HK$92,371
+HK$5,298/mo
Deposit HK$2.00M · loan HK$17.97M · min. income ≈ HK$174,146/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,152
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$93,596
−HK$2,480/mo
Today · 4.125%
HK$96,076
baseline
▲ 0.50% · 4.625%
HK$101,141
+HK$5,065/mo
Deposit HK$2.00M · loan HK$17.97M · min. income ≈ HK$192,152/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,589 · Scale 2, in force from 26 Feb 2026)