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$45,577
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$46,994
−HK$1,441/mo
Today · 4.125%
HK$48,435
baseline
▲ 0.50% · 4.625%
HK$51,382
+HK$2,947/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$96,870/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,704
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,063
−HK$1,380/mo
Today · 4.125%
HK$53,443
baseline
▲ 0.50% · 4.625%
HK$56,260
+HK$2,817/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$106,886/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,692
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$56,393
−HK$1,729/mo
Today · 4.125%
HK$58,122
baseline
▲ 0.50% · 4.625%
HK$61,658
+HK$3,536/mo
Deposit HK$8.00M · loan HK$11.99M · min. income ≈ HK$116,244/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,844
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,476
−HK$1,655/mo
Today · 4.125%
HK$64,131
baseline
▲ 0.50% · 4.625%
HK$67,512
+HK$3,381/mo
Deposit HK$8.00M · loan HK$11.99M · min. income ≈ HK$128,262/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,807
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$65,792
−HK$2,017/mo
Today · 4.125%
HK$67,809
baseline
▲ 0.50% · 4.625%
HK$71,935
+HK$4,126/mo
Deposit HK$6.00M · loan HK$13.99M · min. income ≈ HK$135,618/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,985
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$72,889
−HK$1,931/mo
Today · 4.125%
HK$74,820
baseline
▲ 0.50% · 4.625%
HK$78,764
+HK$3,944/mo
Deposit HK$6.00M · loan HK$13.99M · min. income ≈ HK$149,640/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,038
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$84,590
−HK$2,592/mo
Today · 4.125%
HK$87,182
baseline
▲ 0.50% · 4.625%
HK$92,487
+HK$5,305/mo
Deposit HK$2.00M · loan HK$17.99M · min. income ≈ HK$174,364/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,266
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$93,714
−HK$2,483/mo
Today · 4.125%
HK$96,197
baseline
▲ 0.50% · 4.625%
HK$101,268
+HK$5,071/mo
Deposit HK$2.00M · loan HK$17.99M · min. income ≈ HK$192,394/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,532 · Scale 2, in force from 26 Feb 2026)