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$45,547
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,964
−HK$1,440/mo
Today · 4.125%
HK$48,404
baseline
▲ 0.50% · 4.625%
HK$51,349
+HK$2,945/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$96,808/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,671
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,030
−HK$1,379/mo
Today · 4.125%
HK$53,409
baseline
▲ 0.50% · 4.625%
HK$56,224
+HK$2,815/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$106,818/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,657
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,357
−HK$1,727/mo
Today · 4.125%
HK$58,084
baseline
▲ 0.50% · 4.625%
HK$61,619
+HK$3,535/mo
Deposit HK$7.99M · loan HK$11.98M · min. income ≈ HK$116,168/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,805
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,436
−HK$1,654/mo
Today · 4.125%
HK$64,090
baseline
▲ 0.50% · 4.625%
HK$67,469
+HK$3,379/mo
Deposit HK$7.99M · loan HK$11.98M · min. income ≈ HK$128,180/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,766
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$65,750
−HK$2,015/mo
Today · 4.125%
HK$67,765
baseline
▲ 0.50% · 4.625%
HK$71,888
+HK$4,123/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$135,530/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$749,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,939
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$72,842
−HK$1,930/mo
Today · 4.125%
HK$74,772
baseline
▲ 0.50% · 4.625%
HK$78,713
+HK$3,941/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$149,544/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$749,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,985
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$84,535
−HK$2,591/mo
Today · 4.125%
HK$87,126
baseline
▲ 0.50% · 4.625%
HK$92,428
+HK$5,302/mo
Deposit HK$2.00M · loan HK$17.98M · min. income ≈ HK$174,252/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,208
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$93,654
−HK$2,481/mo
Today · 4.125%
HK$96,135
baseline
▲ 0.50% · 4.625%
HK$101,203
+HK$5,068/mo
Deposit HK$2.00M · loan HK$17.98M · min. income ≈ HK$192,270/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,050 · Scale 2, in force from 26 Feb 2026)