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$45,371
−HK$2,846/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$746,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,475
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,829
−HK$1,373/mo
Today · 4.125%
HK$53,202
baseline
▲ 0.50% · 4.625%
HK$56,007
+HK$2,805/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$106,404/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$746,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,446
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$56,139
−HK$1,721/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$746,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,570
−HK$3,273/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$746,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,520
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$65,496
−HK$2,007/mo
Today · 4.125%
HK$67,503
baseline
▲ 0.50% · 4.625%
HK$71,611
+HK$4,108/mo
Deposit HK$5.97M · loan HK$13.93M · min. income ≈ HK$135,006/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,665
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$72,561
−HK$1,922/mo
Today · 4.125%
HK$74,483
baseline
▲ 0.50% · 4.625%
HK$78,409
+HK$3,926/mo
Deposit HK$5.97M · loan HK$13.93M · min. income ≈ HK$148,966/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,669
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$84,209
−HK$2,581/mo
Today · 4.125%
HK$86,790
baseline
▲ 0.50% · 4.625%
HK$92,071
+HK$5,281/mo
Deposit HK$1.99M · loan HK$17.91M · min. income ≈ HK$173,580/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,856
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$93,292
−HK$2,472/mo
Today · 4.125%
HK$95,764
baseline
▲ 0.50% · 4.625%
HK$100,812
+HK$5,048/mo
Deposit HK$1.99M · loan HK$17.91M · min. income ≈ HK$191,528/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,158 · Scale 2, in force from 26 Feb 2026)