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$45,573
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$46,991
−HK$1,440/mo
Today · 4.125%
HK$48,431
baseline
▲ 0.50% · 4.625%
HK$51,378
+HK$2,947/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$96,862/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,700
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,059
−HK$1,380/mo
Today · 4.125%
HK$53,439
baseline
▲ 0.50% · 4.625%
HK$56,256
+HK$2,817/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$106,878/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,688
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,389
−HK$1,728/mo
Today · 4.125%
HK$58,117
baseline
▲ 0.50% · 4.625%
HK$61,653
+HK$3,536/mo
Deposit HK$7.99M · loan HK$11.99M · min. income ≈ HK$116,234/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,840
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$62,471
−HK$1,655/mo
Today · 4.125%
HK$64,126
baseline
▲ 0.50% · 4.625%
HK$67,507
+HK$3,381/mo
Deposit HK$7.99M · loan HK$11.99M · min. income ≈ HK$128,252/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,802
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$65,787
−HK$2,016/mo
Today · 4.125%
HK$67,803
baseline
▲ 0.50% · 4.625%
HK$71,929
+HK$4,126/mo
Deposit HK$6.00M · loan HK$13.99M · min. income ≈ HK$135,606/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,979
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$72,883
−HK$1,931/mo
Today · 4.125%
HK$74,814
baseline
▲ 0.50% · 4.625%
HK$78,758
+HK$3,944/mo
Deposit HK$6.00M · loan HK$13.99M · min. income ≈ HK$149,628/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$749,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,032
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$84,583
−HK$2,593/mo
Today · 4.125%
HK$87,176
baseline
▲ 0.50% · 4.625%
HK$92,480
+HK$5,304/mo
Deposit HK$2.00M · loan HK$17.99M · min. income ≈ HK$174,352/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,259
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$93,707
−HK$2,483/mo
Today · 4.125%
HK$96,190
baseline
▲ 0.50% · 4.625%
HK$101,260
+HK$5,070/mo
Deposit HK$2.00M · loan HK$17.99M · min. income ≈ HK$192,380/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,473 · Scale 2, in force from 26 Feb 2026)