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$45,538
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$46,954
−HK$1,440/mo
Today · 4.125%
HK$48,394
baseline
▲ 0.50% · 4.625%
HK$51,338
+HK$2,944/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$96,788/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,660
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,019
−HK$1,379/mo
Today · 4.125%
HK$53,398
baseline
▲ 0.50% · 4.625%
HK$56,212
+HK$2,814/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$106,796/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,646
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$56,345
−HK$1,727/mo
Today · 4.125%
HK$58,072
baseline
▲ 0.50% · 4.625%
HK$61,606
+HK$3,534/mo
Deposit HK$7.99M · loan HK$11.98M · min. income ≈ HK$116,144/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$748,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,793
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$62,423
−HK$1,654/mo
Today · 4.125%
HK$64,077
baseline
▲ 0.50% · 4.625%
HK$67,455
+HK$3,378/mo
Deposit HK$7.99M · loan HK$11.98M · min. income ≈ HK$128,154/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$748,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,753
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$65,736
−HK$2,015/mo
Today · 4.125%
HK$67,751
baseline
▲ 0.50% · 4.625%
HK$71,873
+HK$4,122/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$135,502/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,925
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$72,827
−HK$1,930/mo
Today · 4.125%
HK$74,757
baseline
▲ 0.50% · 4.625%
HK$78,697
+HK$3,940/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$149,514/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,968
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,518
−HK$2,590/mo
Today · 4.125%
HK$87,108
baseline
▲ 0.50% · 4.625%
HK$92,409
+HK$5,301/mo
Deposit HK$2.00M · loan HK$17.97M · min. income ≈ HK$174,216/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$748,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,189
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$93,635
−HK$2,481/mo
Today · 4.125%
HK$96,116
baseline
▲ 0.50% · 4.625%
HK$101,182
+HK$5,066/mo
Deposit HK$2.00M · loan HK$17.97M · min. income ≈ HK$192,232/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$748,895 · Scale 2, in force from 26 Feb 2026)