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$45,372
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,783
−HK$1,434/mo
Today · 4.125%
HK$48,217
baseline
▲ 0.50% · 4.625%
HK$51,151
+HK$2,934/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$96,434/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$746,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,476
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,829
−HK$1,374/mo
Today · 4.125%
HK$53,203
baseline
▲ 0.50% · 4.625%
HK$56,007
+HK$2,804/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$106,406/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$746,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,446
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$56,140
−HK$1,720/mo
Today · 4.125%
HK$57,860
baseline
▲ 0.50% · 4.625%
HK$61,381
+HK$3,521/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$115,720/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,571
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$62,195
−HK$1,648/mo
Today · 4.125%
HK$63,843
baseline
▲ 0.50% · 4.625%
HK$67,208
+HK$3,365/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$127,686/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,520
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$65,496
−HK$2,008/mo
Today · 4.125%
HK$67,504
baseline
▲ 0.50% · 4.625%
HK$71,611
+HK$4,107/mo
Deposit HK$5.97M · loan HK$13.93M · min. income ≈ HK$135,008/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,666
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$72,561
−HK$1,923/mo
Today · 4.125%
HK$74,484
baseline
▲ 0.50% · 4.625%
HK$78,410
+HK$3,926/mo
Deposit HK$5.97M · loan HK$13.93M · min. income ≈ HK$148,968/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,669
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$84,210
−HK$2,581/mo
Today · 4.125%
HK$86,791
baseline
▲ 0.50% · 4.625%
HK$92,072
+HK$5,281/mo
Deposit HK$1.99M · loan HK$17.91M · min. income ≈ HK$173,582/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,856
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$93,293
−HK$2,472/mo
Today · 4.125%
HK$95,765
baseline
▲ 0.50% · 4.625%
HK$100,813
+HK$5,048/mo
Deposit HK$1.99M · loan HK$17.91M · min. income ≈ HK$191,530/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,163 · Scale 2, in force from 26 Feb 2026)