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$45,496
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,911
−HK$1,438/mo
Today · 4.125%
HK$48,349
baseline
▲ 0.50% · 4.625%
HK$51,290
+HK$2,941/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$96,698/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$748,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,613
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,971
−HK$1,377/mo
Today · 4.125%
HK$53,348
baseline
▲ 0.50% · 4.625%
HK$56,160
+HK$2,812/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$106,696/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$748,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,595
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$56,293
−HK$1,725/mo
Today · 4.125%
HK$58,018
baseline
▲ 0.50% · 4.625%
HK$61,549
+HK$3,531/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$116,036/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,736
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,365
−HK$1,652/mo
Today · 4.125%
HK$64,017
baseline
▲ 0.50% · 4.625%
HK$67,392
+HK$3,375/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$128,034/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,694
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$65,675
−HK$2,013/mo
Today · 4.125%
HK$67,688
baseline
▲ 0.50% · 4.625%
HK$71,807
+HK$4,119/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$135,376/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$748,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,859
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$72,759
−HK$1,928/mo
Today · 4.125%
HK$74,687
baseline
▲ 0.50% · 4.625%
HK$78,624
+HK$3,937/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$149,374/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$748,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,892
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$84,439
−HK$2,588/mo
Today · 4.125%
HK$87,027
baseline
▲ 0.50% · 4.625%
HK$92,323
+HK$5,296/mo
Deposit HK$2.00M · loan HK$17.96M · min. income ≈ HK$174,054/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,104
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$93,547
−HK$2,479/mo
Today · 4.125%
HK$96,026
baseline
▲ 0.50% · 4.625%
HK$101,088
+HK$5,062/mo
Deposit HK$2.00M · loan HK$17.96M · min. income ≈ HK$192,052/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,199 · Scale 2, in force from 26 Feb 2026)