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$45,540
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,956
−HK$1,439/mo
Today · 4.125%
HK$48,395
baseline
▲ 0.50% · 4.625%
HK$51,340
+HK$2,945/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$96,790/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,662
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,021
−HK$1,379/mo
Today · 4.125%
HK$53,400
baseline
▲ 0.50% · 4.625%
HK$56,214
+HK$2,814/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$106,800/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,648
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$56,347
−HK$1,727/mo
Today · 4.125%
HK$58,074
baseline
▲ 0.50% · 4.625%
HK$61,608
+HK$3,534/mo
Deposit HK$7.99M · loan HK$11.98M · min. income ≈ HK$116,148/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$748,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,795
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$62,425
−HK$1,654/mo
Today · 4.125%
HK$64,079
baseline
▲ 0.50% · 4.625%
HK$67,457
+HK$3,378/mo
Deposit HK$7.99M · loan HK$11.98M · min. income ≈ HK$128,158/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$748,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,756
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$65,739
−HK$2,015/mo
Today · 4.125%
HK$67,754
baseline
▲ 0.50% · 4.625%
HK$71,876
+HK$4,122/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$135,508/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,927
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$72,830
−HK$1,929/mo
Today · 4.125%
HK$74,759
baseline
▲ 0.50% · 4.625%
HK$78,700
+HK$3,941/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$149,518/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,971
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$84,521
−HK$2,591/mo
Today · 4.125%
HK$87,112
baseline
▲ 0.50% · 4.625%
HK$92,412
+HK$5,300/mo
Deposit HK$2.00M · loan HK$17.97M · min. income ≈ HK$174,224/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$748,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,192
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$93,638
−HK$2,481/mo
Today · 4.125%
HK$96,119
baseline
▲ 0.50% · 4.625%
HK$101,186
+HK$5,067/mo
Deposit HK$2.00M · loan HK$17.97M · min. income ≈ HK$192,238/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$748,924 · Scale 2, in force from 26 Feb 2026)