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$45,553
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$46,970
−HK$1,439/mo
Today · 4.125%
HK$48,409
baseline
▲ 0.50% · 4.625%
HK$51,355
+HK$2,946/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$96,818/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,677
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,036
−HK$1,379/mo
Today · 4.125%
HK$53,415
baseline
▲ 0.50% · 4.625%
HK$56,231
+HK$2,816/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$106,830/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,663
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$56,364
−HK$1,727/mo
Today · 4.125%
HK$58,091
baseline
▲ 0.50% · 4.625%
HK$61,626
+HK$3,535/mo
Deposit HK$7.99M · loan HK$11.99M · min. income ≈ HK$116,182/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,812
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$62,443
−HK$1,655/mo
Today · 4.125%
HK$64,098
baseline
▲ 0.50% · 4.625%
HK$67,477
+HK$3,379/mo
Deposit HK$7.99M · loan HK$11.99M · min. income ≈ HK$128,196/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,774
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$65,758
−HK$2,015/mo
Today · 4.125%
HK$67,773
baseline
▲ 0.50% · 4.625%
HK$71,897
+HK$4,124/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$135,546/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$749,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,948
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$72,851
−HK$1,930/mo
Today · 4.125%
HK$74,781
baseline
▲ 0.50% · 4.625%
HK$78,723
+HK$3,942/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$149,562/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$749,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,995
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$84,546
−HK$2,591/mo
Today · 4.125%
HK$87,137
baseline
▲ 0.50% · 4.625%
HK$92,439
+HK$5,302/mo
Deposit HK$2.00M · loan HK$17.98M · min. income ≈ HK$174,274/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,219
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$93,665
−HK$2,482/mo
Today · 4.125%
HK$96,147
baseline
▲ 0.50% · 4.625%
HK$101,215
+HK$5,068/mo
Deposit HK$2.00M · loan HK$17.98M · min. income ≈ HK$192,294/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,141 · Scale 2, in force from 26 Feb 2026)