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$45,522
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,938
−HK$1,439/mo
Today · 4.125%
HK$48,377
baseline
▲ 0.50% · 4.625%
HK$51,321
+HK$2,944/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$96,754/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,643
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$52,001
−HK$1,378/mo
Today · 4.125%
HK$53,379
baseline
▲ 0.50% · 4.625%
HK$56,193
+HK$2,814/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$106,758/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,627
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$56,326
−HK$1,726/mo
Today · 4.125%
HK$58,052
baseline
▲ 0.50% · 4.625%
HK$61,585
+HK$3,533/mo
Deposit HK$7.99M · loan HK$11.98M · min. income ≈ HK$116,104/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,772
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,402
−HK$1,653/mo
Today · 4.125%
HK$64,055
baseline
▲ 0.50% · 4.625%
HK$67,432
+HK$3,377/mo
Deposit HK$7.99M · loan HK$11.98M · min. income ≈ HK$128,110/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,731
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$65,714
−HK$2,014/mo
Today · 4.125%
HK$67,728
baseline
▲ 0.50% · 4.625%
HK$71,849
+HK$4,121/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$135,456/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,901
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$72,802
−HK$1,929/mo
Today · 4.125%
HK$74,731
baseline
▲ 0.50% · 4.625%
HK$78,670
+HK$3,939/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$149,462/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,940
−HK$5,139/mo
▼ 0.25% · 3.875%
HK$84,489
−HK$2,590/mo
Today · 4.125%
HK$87,079
baseline
▲ 0.50% · 4.625%
HK$92,377
+HK$5,298/mo
Deposit HK$2.00M · loan HK$17.97M · min. income ≈ HK$174,158/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$748,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,158
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$93,603
−HK$2,480/mo
Today · 4.125%
HK$96,083
baseline
▲ 0.50% · 4.625%
HK$101,147
+HK$5,064/mo
Deposit HK$2.00M · loan HK$17.97M · min. income ≈ HK$192,166/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$748,640 · Scale 2, in force from 26 Feb 2026)