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$45,476
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,891
−HK$1,437/mo
Today · 4.125%
HK$48,328
baseline
▲ 0.50% · 4.625%
HK$51,268
+HK$2,940/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$96,656/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$747,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,592
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,948
−HK$1,377/mo
Today · 4.125%
HK$53,325
baseline
▲ 0.50% · 4.625%
HK$56,136
+HK$2,811/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$106,650/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$747,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,571
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$56,269
−HK$1,724/mo
Today · 4.125%
HK$57,993
baseline
▲ 0.50% · 4.625%
HK$61,522
+HK$3,529/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$115,986/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$747,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,710
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$62,338
−HK$1,652/mo
Today · 4.125%
HK$63,990
baseline
▲ 0.50% · 4.625%
HK$67,363
+HK$3,373/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$127,980/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$747,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,666
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$65,647
−HK$2,012/mo
Today · 4.125%
HK$67,659
baseline
▲ 0.50% · 4.625%
HK$71,776
+HK$4,117/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$135,318/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,828
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$72,728
−HK$1,927/mo
Today · 4.125%
HK$74,655
baseline
▲ 0.50% · 4.625%
HK$78,590
+HK$3,935/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$149,310/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,857
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$84,403
−HK$2,587/mo
Today · 4.125%
HK$86,990
baseline
▲ 0.50% · 4.625%
HK$92,283
+HK$5,293/mo
Deposit HK$1.99M · loan HK$17.95M · min. income ≈ HK$173,980/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,065
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$93,507
−HK$2,478/mo
Today · 4.125%
HK$95,985
baseline
▲ 0.50% · 4.625%
HK$101,044
+HK$5,059/mo
Deposit HK$1.99M · loan HK$17.95M · min. income ≈ HK$191,970/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,877 · Scale 2, in force from 26 Feb 2026)