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$45,535
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$46,952
−HK$1,439/mo
Today · 4.125%
HK$48,391
baseline
▲ 0.50% · 4.625%
HK$51,335
+HK$2,944/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$96,782/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,658
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$52,016
−HK$1,378/mo
Today · 4.125%
HK$53,394
baseline
▲ 0.50% · 4.625%
HK$56,209
+HK$2,815/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$106,788/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,642
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,342
−HK$1,727/mo
Today · 4.125%
HK$58,069
baseline
▲ 0.50% · 4.625%
HK$61,602
+HK$3,533/mo
Deposit HK$7.99M · loan HK$11.98M · min. income ≈ HK$116,138/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$748,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,789
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$62,419
−HK$1,654/mo
Today · 4.125%
HK$64,073
baseline
▲ 0.50% · 4.625%
HK$67,451
+HK$3,378/mo
Deposit HK$7.99M · loan HK$11.98M · min. income ≈ HK$128,146/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$748,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,749
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$65,732
−HK$2,015/mo
Today · 4.125%
HK$67,747
baseline
▲ 0.50% · 4.625%
HK$71,869
+HK$4,122/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$135,494/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,921
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$72,823
−HK$1,929/mo
Today · 4.125%
HK$74,752
baseline
▲ 0.50% · 4.625%
HK$78,692
+HK$3,940/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$149,504/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,963
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,513
−HK$2,590/mo
Today · 4.125%
HK$87,103
baseline
▲ 0.50% · 4.625%
HK$92,403
+HK$5,300/mo
Deposit HK$2.00M · loan HK$17.97M · min. income ≈ HK$174,206/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$748,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,184
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$93,629
−HK$2,481/mo
Today · 4.125%
HK$96,110
baseline
▲ 0.50% · 4.625%
HK$101,176
+HK$5,066/mo
Deposit HK$2.00M · loan HK$17.97M · min. income ≈ HK$192,220/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$748,851 · Scale 2, in force from 26 Feb 2026)