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$45,501
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,916
−HK$1,438/mo
Today · 4.125%
HK$48,354
baseline
▲ 0.50% · 4.625%
HK$51,297
+HK$2,943/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$96,708/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,620
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,977
−HK$1,377/mo
Today · 4.125%
HK$53,354
baseline
▲ 0.50% · 4.625%
HK$56,167
+HK$2,813/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$106,708/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,601
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$56,300
−HK$1,725/mo
Today · 4.125%
HK$58,025
baseline
▲ 0.50% · 4.625%
HK$61,556
+HK$3,531/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$116,050/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,743
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$62,373
−HK$1,652/mo
Today · 4.125%
HK$64,025
baseline
▲ 0.50% · 4.625%
HK$67,400
+HK$3,375/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$128,050/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,702
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$65,683
−HK$2,013/mo
Today · 4.125%
HK$67,696
baseline
▲ 0.50% · 4.625%
HK$71,815
+HK$4,119/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$135,392/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$748,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,867
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$72,768
−HK$1,928/mo
Today · 4.125%
HK$74,696
baseline
▲ 0.50% · 4.625%
HK$78,633
+HK$3,937/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$149,392/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$748,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,902
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$84,450
−HK$2,588/mo
Today · 4.125%
HK$87,038
baseline
▲ 0.50% · 4.625%
HK$92,334
+HK$5,296/mo
Deposit HK$2.00M · loan HK$17.96M · min. income ≈ HK$174,076/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,115
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$93,559
−HK$2,479/mo
Today · 4.125%
HK$96,038
baseline
▲ 0.50% · 4.625%
HK$101,100
+HK$5,062/mo
Deposit HK$2.00M · loan HK$17.96M · min. income ≈ HK$192,076/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,290 · Scale 2, in force from 26 Feb 2026)