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$51,286
+HK$2,941/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$748,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,609
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,967
−HK$1,377/mo
Today · 4.125%
HK$53,344
baseline
▲ 0.50% · 4.625%
HK$56,155
+HK$2,811/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$748,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,590
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$56,288
−HK$1,726/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$748,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,731
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,360
−HK$1,652/mo
Today · 4.125%
HK$64,012
baseline
▲ 0.50% · 4.625%
HK$67,387
+HK$3,375/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$748,139 · 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$748,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,853
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$72,753
−HK$1,928/mo
Today · 4.125%
HK$74,681
baseline
▲ 0.50% · 4.625%
HK$78,618
+HK$3,937/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$149,362/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$748,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,886
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$84,433
−HK$2,587/mo
Today · 4.125%
HK$87,020
baseline
▲ 0.50% · 4.625%
HK$92,315
+HK$5,295/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$748,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,097
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$93,540
−HK$2,479/mo
Today · 4.125%
HK$96,019
baseline
▲ 0.50% · 4.625%
HK$101,080
+HK$5,061/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$748,139 · Scale 2, in force from 26 Feb 2026)