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$45,428
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$46,841
−HK$1,436/mo
Today · 4.125%
HK$48,277
baseline
▲ 0.50% · 4.625%
HK$51,214
+HK$2,937/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$96,554/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,538
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,894
−HK$1,375/mo
Today · 4.125%
HK$53,269
baseline
▲ 0.50% · 4.625%
HK$56,076
+HK$2,807/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$106,538/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,514
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,209
−HK$1,723/mo
Today · 4.125%
HK$57,932
baseline
▲ 0.50% · 4.625%
HK$61,457
+HK$3,525/mo
Deposit HK$7.97M · loan HK$11.95M · min. income ≈ HK$115,864/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,646
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,272
−HK$1,650/mo
Today · 4.125%
HK$63,922
baseline
▲ 0.50% · 4.625%
HK$67,292
+HK$3,370/mo
Deposit HK$7.97M · loan HK$11.95M · min. income ≈ HK$127,844/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,599
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$65,577
−HK$2,010/mo
Today · 4.125%
HK$67,587
baseline
▲ 0.50% · 4.625%
HK$71,700
+HK$4,113/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$135,174/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$747,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,753
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$72,651
−HK$1,925/mo
Today · 4.125%
HK$74,576
baseline
▲ 0.50% · 4.625%
HK$78,507
+HK$3,931/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$149,152/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$747,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,770
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$84,314
−HK$2,584/mo
Today · 4.125%
HK$86,898
baseline
▲ 0.50% · 4.625%
HK$92,186
+HK$5,288/mo
Deposit HK$1.99M · loan HK$17.93M · min. income ≈ HK$173,796/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,969
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$93,408
−HK$2,475/mo
Today · 4.125%
HK$95,883
baseline
▲ 0.50% · 4.625%
HK$100,938
+HK$5,055/mo
Deposit HK$1.99M · loan HK$17.93M · min. income ≈ HK$191,766/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,087 · Scale 2, in force from 26 Feb 2026)