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$45,569
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$46,987
−HK$1,440/mo
Today · 4.125%
HK$48,427
baseline
▲ 0.50% · 4.625%
HK$51,373
+HK$2,946/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$96,854/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,695
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,055
−HK$1,379/mo
Today · 4.125%
HK$53,434
baseline
▲ 0.50% · 4.625%
HK$56,251
+HK$2,817/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$106,868/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,683
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,384
−HK$1,728/mo
Today · 4.125%
HK$58,112
baseline
▲ 0.50% · 4.625%
HK$61,648
+HK$3,536/mo
Deposit HK$7.99M · loan HK$11.99M · min. income ≈ HK$116,224/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,834
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,466
−HK$1,655/mo
Today · 4.125%
HK$64,121
baseline
▲ 0.50% · 4.625%
HK$67,501
+HK$3,380/mo
Deposit HK$7.99M · loan HK$11.99M · min. income ≈ HK$128,242/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,797
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$65,781
−HK$2,016/mo
Today · 4.125%
HK$67,797
baseline
▲ 0.50% · 4.625%
HK$71,923
+HK$4,126/mo
Deposit HK$6.00M · loan HK$13.99M · min. income ≈ HK$135,594/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$749,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,973
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$72,877
−HK$1,931/mo
Today · 4.125%
HK$74,808
baseline
▲ 0.50% · 4.625%
HK$78,751
+HK$3,943/mo
Deposit HK$6.00M · loan HK$13.99M · min. income ≈ HK$149,616/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$749,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,024
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$84,576
−HK$2,592/mo
Today · 4.125%
HK$87,168
baseline
▲ 0.50% · 4.625%
HK$92,472
+HK$5,304/mo
Deposit HK$2.00M · loan HK$17.99M · min. income ≈ HK$174,336/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,251
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$93,699
−HK$2,482/mo
Today · 4.125%
HK$96,181
baseline
▲ 0.50% · 4.625%
HK$101,251
+HK$5,070/mo
Deposit HK$2.00M · loan HK$17.99M · min. income ≈ HK$192,362/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,408 · Scale 2, in force from 26 Feb 2026)