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$45,511
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,927
−HK$1,438/mo
Today · 4.125%
HK$48,365
baseline
▲ 0.50% · 4.625%
HK$51,308
+HK$2,943/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$96,730/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,631
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,989
−HK$1,377/mo
Today · 4.125%
HK$53,366
baseline
▲ 0.50% · 4.625%
HK$56,179
+HK$2,813/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$106,732/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,613
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$56,312
−HK$1,726/mo
Today · 4.125%
HK$58,038
baseline
▲ 0.50% · 4.625%
HK$61,570
+HK$3,532/mo
Deposit HK$7.98M · loan HK$11.98M · min. income ≈ HK$116,076/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,757
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$62,386
−HK$1,653/mo
Today · 4.125%
HK$64,039
baseline
▲ 0.50% · 4.625%
HK$67,415
+HK$3,376/mo
Deposit HK$7.98M · loan HK$11.98M · min. income ≈ HK$128,078/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,716
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$65,697
−HK$2,014/mo
Today · 4.125%
HK$67,711
baseline
▲ 0.50% · 4.625%
HK$71,831
+HK$4,120/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$135,422/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,883
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$72,784
−HK$1,928/mo
Today · 4.125%
HK$74,712
baseline
▲ 0.50% · 4.625%
HK$78,651
+HK$3,939/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$149,424/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$748,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,920
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$84,468
−HK$2,589/mo
Today · 4.125%
HK$87,057
baseline
▲ 0.50% · 4.625%
HK$92,354
+HK$5,297/mo
Deposit HK$2.00M · loan HK$17.96M · min. income ≈ HK$174,114/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,135
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$93,579
−HK$2,480/mo
Today · 4.125%
HK$96,059
baseline
▲ 0.50% · 4.625%
HK$101,122
+HK$5,063/mo
Deposit HK$2.00M · loan HK$17.96M · min. income ≈ HK$192,118/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,454 · Scale 2, in force from 26 Feb 2026)