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$45,571
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$46,989
−HK$1,440/mo
Today · 4.125%
HK$48,429
baseline
▲ 0.50% · 4.625%
HK$51,376
+HK$2,947/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$96,858/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,698
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,057
−HK$1,380/mo
Today · 4.125%
HK$53,437
baseline
▲ 0.50% · 4.625%
HK$56,253
+HK$2,816/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$106,874/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,686
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,387
−HK$1,728/mo
Today · 4.125%
HK$58,115
baseline
▲ 0.50% · 4.625%
HK$61,651
+HK$3,536/mo
Deposit HK$7.99M · loan HK$11.99M · min. income ≈ HK$116,230/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,837
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,469
−HK$1,655/mo
Today · 4.125%
HK$64,124
baseline
▲ 0.50% · 4.625%
HK$67,504
+HK$3,380/mo
Deposit HK$7.99M · loan HK$11.99M · min. income ≈ HK$128,248/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,800
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$65,784
−HK$2,017/mo
Today · 4.125%
HK$67,801
baseline
▲ 0.50% · 4.625%
HK$71,926
+HK$4,125/mo
Deposit HK$6.00M · loan HK$13.99M · min. income ≈ HK$135,602/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$749,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,977
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$72,880
−HK$1,931/mo
Today · 4.125%
HK$74,811
baseline
▲ 0.50% · 4.625%
HK$78,755
+HK$3,944/mo
Deposit HK$6.00M · loan HK$13.99M · min. income ≈ HK$149,622/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$749,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,028
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$84,580
−HK$2,592/mo
Today · 4.125%
HK$87,172
baseline
▲ 0.50% · 4.625%
HK$92,476
+HK$5,304/mo
Deposit HK$2.00M · loan HK$17.99M · min. income ≈ HK$174,344/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,256
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$93,703
−HK$2,483/mo
Today · 4.125%
HK$96,186
baseline
▲ 0.50% · 4.625%
HK$101,256
+HK$5,070/mo
Deposit HK$2.00M · loan HK$17.99M · min. income ≈ HK$192,372/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,444 · Scale 2, in force from 26 Feb 2026)