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$45,491
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,907
−HK$1,437/mo
Today · 4.125%
HK$48,344
baseline
▲ 0.50% · 4.625%
HK$51,286
+HK$2,942/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$96,688/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$748,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,609
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,966
−HK$1,377/mo
Today · 4.125%
HK$53,343
baseline
▲ 0.50% · 4.625%
HK$56,155
+HK$2,812/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$106,686/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$748,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,590
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$56,288
−HK$1,725/mo
Today · 4.125%
HK$58,013
baseline
▲ 0.50% · 4.625%
HK$61,543
+HK$3,530/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$116,026/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,731
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,359
−HK$1,653/mo
Today · 4.125%
HK$64,012
baseline
▲ 0.50% · 4.625%
HK$67,386
+HK$3,374/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$128,024/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,688
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$65,669
−HK$2,013/mo
Today · 4.125%
HK$67,682
baseline
▲ 0.50% · 4.625%
HK$71,800
+HK$4,118/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$135,364/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$748,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,852
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$72,753
−HK$1,927/mo
Today · 4.125%
HK$74,680
baseline
▲ 0.50% · 4.625%
HK$78,617
+HK$3,937/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$149,360/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$748,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,885
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$84,432
−HK$2,588/mo
Today · 4.125%
HK$87,020
baseline
▲ 0.50% · 4.625%
HK$92,314
+HK$5,294/mo
Deposit HK$2.00M · loan HK$17.96M · min. income ≈ HK$174,040/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,096
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$93,539
−HK$2,478/mo
Today · 4.125%
HK$96,017
baseline
▲ 0.50% · 4.625%
HK$101,079
+HK$5,062/mo
Deposit HK$2.00M · loan HK$17.96M · min. income ≈ HK$192,034/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,131 · Scale 2, in force from 26 Feb 2026)