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$45,427
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,840
−HK$1,435/mo
Today · 4.125%
HK$48,275
baseline
▲ 0.50% · 4.625%
HK$51,213
+HK$2,938/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$96,550/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,537
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,892
−HK$1,375/mo
Today · 4.125%
HK$53,267
baseline
▲ 0.50% · 4.625%
HK$56,075
+HK$2,808/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$106,534/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,512
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,207
−HK$1,723/mo
Today · 4.125%
HK$57,930
baseline
▲ 0.50% · 4.625%
HK$61,455
+HK$3,525/mo
Deposit HK$7.97M · loan HK$11.95M · min. income ≈ HK$115,860/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,644
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,270
−HK$1,650/mo
Today · 4.125%
HK$63,920
baseline
▲ 0.50% · 4.625%
HK$67,290
+HK$3,370/mo
Deposit HK$7.97M · loan HK$11.95M · min. income ≈ HK$127,840/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,597
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$65,575
−HK$2,010/mo
Today · 4.125%
HK$67,585
baseline
▲ 0.50% · 4.625%
HK$71,698
+HK$4,113/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$135,170/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$747,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,751
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$72,649
−HK$1,925/mo
Today · 4.125%
HK$74,574
baseline
▲ 0.50% · 4.625%
HK$78,504
+HK$3,930/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$149,148/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$747,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,768
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$84,311
−HK$2,584/mo
Today · 4.125%
HK$86,895
baseline
▲ 0.50% · 4.625%
HK$92,183
+HK$5,288/mo
Deposit HK$1.99M · loan HK$17.93M · min. income ≈ HK$173,790/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,966
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$93,405
−HK$2,475/mo
Today · 4.125%
HK$95,880
baseline
▲ 0.50% · 4.625%
HK$100,934
+HK$5,054/mo
Deposit HK$1.99M · loan HK$17.93M · min. income ≈ HK$191,760/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,063 · Scale 2, in force from 26 Feb 2026)