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$45,556
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,973
−HK$1,440/mo
Today · 4.125%
HK$48,413
baseline
▲ 0.50% · 4.625%
HK$51,358
+HK$2,945/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$96,826/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,680
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,040
−HK$1,379/mo
Today · 4.125%
HK$53,419
baseline
▲ 0.50% · 4.625%
HK$56,234
+HK$2,815/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$106,838/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,667
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$56,367
−HK$1,728/mo
Today · 4.125%
HK$58,095
baseline
▲ 0.50% · 4.625%
HK$61,630
+HK$3,535/mo
Deposit HK$7.99M · loan HK$11.99M · min. income ≈ HK$116,190/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,817
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,448
−HK$1,654/mo
Today · 4.125%
HK$64,102
baseline
▲ 0.50% · 4.625%
HK$67,481
+HK$3,379/mo
Deposit HK$7.99M · loan HK$11.99M · min. income ≈ HK$128,204/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,778
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$65,762
−HK$2,016/mo
Today · 4.125%
HK$67,778
baseline
▲ 0.50% · 4.625%
HK$71,902
+HK$4,124/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$135,556/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$749,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,953
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$72,855
−HK$1,931/mo
Today · 4.125%
HK$74,786
baseline
▲ 0.50% · 4.625%
HK$78,728
+HK$3,942/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$149,572/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$749,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,001
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$84,551
−HK$2,592/mo
Today · 4.125%
HK$87,143
baseline
▲ 0.50% · 4.625%
HK$92,445
+HK$5,302/mo
Deposit HK$2.00M · loan HK$17.98M · min. income ≈ HK$174,286/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,225
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$93,671
−HK$2,482/mo
Today · 4.125%
HK$96,153
baseline
▲ 0.50% · 4.625%
HK$101,222
+HK$5,069/mo
Deposit HK$2.00M · loan HK$17.98M · min. income ≈ HK$192,306/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,190 · Scale 2, in force from 26 Feb 2026)