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$45,533
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,949
−HK$1,439/mo
Today · 4.125%
HK$48,388
baseline
▲ 0.50% · 4.625%
HK$51,333
+HK$2,945/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$96,776/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,655
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,013
−HK$1,379/mo
Today · 4.125%
HK$53,392
baseline
▲ 0.50% · 4.625%
HK$56,206
+HK$2,814/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$106,784/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,640
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$56,339
−HK$1,727/mo
Today · 4.125%
HK$58,066
baseline
▲ 0.50% · 4.625%
HK$61,599
+HK$3,533/mo
Deposit HK$7.99M · loan HK$11.98M · min. income ≈ HK$116,132/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$748,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,786
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$62,416
−HK$1,654/mo
Today · 4.125%
HK$64,070
baseline
▲ 0.50% · 4.625%
HK$67,447
+HK$3,377/mo
Deposit HK$7.99M · loan HK$11.98M · min. income ≈ HK$128,140/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$748,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,746
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$65,729
−HK$2,015/mo
Today · 4.125%
HK$67,744
baseline
▲ 0.50% · 4.625%
HK$71,866
+HK$4,122/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$135,488/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,917
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$72,819
−HK$1,929/mo
Today · 4.125%
HK$74,748
baseline
▲ 0.50% · 4.625%
HK$78,688
+HK$3,940/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$149,496/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,959
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,509
−HK$2,590/mo
Today · 4.125%
HK$87,099
baseline
▲ 0.50% · 4.625%
HK$92,399
+HK$5,300/mo
Deposit HK$2.00M · loan HK$17.97M · min. income ≈ HK$174,198/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$748,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,179
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$93,624
−HK$2,481/mo
Today · 4.125%
HK$96,105
baseline
▲ 0.50% · 4.625%
HK$101,171
+HK$5,066/mo
Deposit HK$2.00M · loan HK$17.97M · min. income ≈ HK$192,210/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$748,813 · Scale 2, in force from 26 Feb 2026)