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$45,518
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,934
−HK$1,439/mo
Today · 4.125%
HK$48,373
baseline
▲ 0.50% · 4.625%
HK$51,316
+HK$2,943/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$96,746/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,639
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,997
−HK$1,377/mo
Today · 4.125%
HK$53,374
baseline
▲ 0.50% · 4.625%
HK$56,188
+HK$2,814/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$106,748/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,622
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$56,321
−HK$1,726/mo
Today · 4.125%
HK$58,047
baseline
▲ 0.50% · 4.625%
HK$61,579
+HK$3,532/mo
Deposit HK$7.98M · loan HK$11.98M · min. income ≈ HK$116,094/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,766
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,396
−HK$1,653/mo
Today · 4.125%
HK$64,049
baseline
▲ 0.50% · 4.625%
HK$67,425
+HK$3,376/mo
Deposit HK$7.98M · loan HK$11.98M · min. income ≈ HK$128,098/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,726
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$65,708
−HK$2,014/mo
Today · 4.125%
HK$67,722
baseline
▲ 0.50% · 4.625%
HK$71,842
+HK$4,120/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$135,444/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,894
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$72,795
−HK$1,929/mo
Today · 4.125%
HK$74,724
baseline
▲ 0.50% · 4.625%
HK$78,663
+HK$3,939/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$149,448/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,933
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$84,481
−HK$2,590/mo
Today · 4.125%
HK$87,071
baseline
▲ 0.50% · 4.625%
HK$92,369
+HK$5,298/mo
Deposit HK$2.00M · loan HK$17.97M · min. income ≈ HK$174,142/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,149
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$93,594
−HK$2,480/mo
Today · 4.125%
HK$96,074
baseline
▲ 0.50% · 4.625%
HK$101,138
+HK$5,064/mo
Deposit HK$2.00M · loan HK$17.97M · min. income ≈ HK$192,148/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,571 · Scale 2, in force from 26 Feb 2026)