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$45,556
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$46,973
−HK$1,439/mo
Today · 4.125%
HK$48,412
baseline
▲ 0.50% · 4.625%
HK$51,358
+HK$2,946/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$96,824/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,680
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,039
−HK$1,379/mo
Today · 4.125%
HK$53,418
baseline
▲ 0.50% · 4.625%
HK$56,234
+HK$2,816/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$106,836/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,667
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$56,367
−HK$1,728/mo
Today · 4.125%
HK$58,095
baseline
▲ 0.50% · 4.625%
HK$61,630
+HK$3,535/mo
Deposit HK$7.99M · loan HK$11.99M · min. income ≈ HK$116,190/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,816
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$62,447
−HK$1,655/mo
Today · 4.125%
HK$64,102
baseline
▲ 0.50% · 4.625%
HK$67,481
+HK$3,379/mo
Deposit HK$7.99M · loan HK$11.99M · min. income ≈ HK$128,204/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,778
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$65,762
−HK$2,015/mo
Today · 4.125%
HK$67,777
baseline
▲ 0.50% · 4.625%
HK$71,901
+HK$4,124/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$135,554/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$749,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,952
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$72,855
−HK$1,931/mo
Today · 4.125%
HK$74,786
baseline
▲ 0.50% · 4.625%
HK$78,728
+HK$3,942/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$149,572/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$749,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,000
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$84,551
−HK$2,591/mo
Today · 4.125%
HK$87,142
baseline
▲ 0.50% · 4.625%
HK$92,445
+HK$5,303/mo
Deposit HK$2.00M · loan HK$17.98M · min. income ≈ HK$174,284/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,224
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$93,671
−HK$2,482/mo
Today · 4.125%
HK$96,153
baseline
▲ 0.50% · 4.625%
HK$101,221
+HK$5,068/mo
Deposit HK$2.00M · loan HK$17.98M · min. income ≈ HK$192,306/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,186 · Scale 2, in force from 26 Feb 2026)