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$45,492
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,907
−HK$1,438/mo
Today · 4.125%
HK$48,345
baseline
▲ 0.50% · 4.625%
HK$51,287
+HK$2,942/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$96,690/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$748,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,610
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,967
−HK$1,377/mo
Today · 4.125%
HK$53,344
baseline
▲ 0.50% · 4.625%
HK$56,156
+HK$2,812/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$106,688/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$748,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,591
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$56,289
−HK$1,725/mo
Today · 4.125%
HK$58,014
baseline
▲ 0.50% · 4.625%
HK$61,544
+HK$3,530/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$116,028/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,732
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,360
−HK$1,653/mo
Today · 4.125%
HK$64,013
baseline
▲ 0.50% · 4.625%
HK$67,387
+HK$3,374/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$128,026/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,689
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$65,670
−HK$2,013/mo
Today · 4.125%
HK$67,683
baseline
▲ 0.50% · 4.625%
HK$71,801
+HK$4,118/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$135,366/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$748,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,854
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$72,754
−HK$1,928/mo
Today · 4.125%
HK$74,682
baseline
▲ 0.50% · 4.625%
HK$78,618
+HK$3,936/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$149,364/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$748,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,886
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$84,433
−HK$2,588/mo
Today · 4.125%
HK$87,021
baseline
▲ 0.50% · 4.625%
HK$92,316
+HK$5,295/mo
Deposit HK$2.00M · loan HK$17.96M · min. income ≈ HK$174,042/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,098
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$93,541
−HK$2,478/mo
Today · 4.125%
HK$96,019
baseline
▲ 0.50% · 4.625%
HK$101,081
+HK$5,062/mo
Deposit HK$2.00M · loan HK$17.96M · min. income ≈ HK$192,038/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,145 · Scale 2, in force from 26 Feb 2026)