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$45,422
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,834
−HK$1,436/mo
Today · 4.125%
HK$48,270
baseline
▲ 0.50% · 4.625%
HK$51,207
+HK$2,937/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$96,540/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$746,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,531
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,886
−HK$1,375/mo
Today · 4.125%
HK$53,261
baseline
▲ 0.50% · 4.625%
HK$56,069
+HK$2,808/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$106,522/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$746,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,506
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,201
−HK$1,723/mo
Today · 4.125%
HK$57,924
baseline
▲ 0.50% · 4.625%
HK$61,448
+HK$3,524/mo
Deposit HK$7.97M · loan HK$11.95M · min. income ≈ HK$115,848/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,637
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,264
−HK$1,649/mo
Today · 4.125%
HK$63,913
baseline
▲ 0.50% · 4.625%
HK$67,282
+HK$3,369/mo
Deposit HK$7.97M · loan HK$11.95M · min. income ≈ HK$127,826/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,590
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$65,568
−HK$2,010/mo
Today · 4.125%
HK$67,578
baseline
▲ 0.50% · 4.625%
HK$71,690
+HK$4,112/mo
Deposit HK$5.98M · loan HK$13.94M · min. income ≈ HK$135,156/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,743
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$72,641
−HK$1,925/mo
Today · 4.125%
HK$74,566
baseline
▲ 0.50% · 4.625%
HK$78,496
+HK$3,930/mo
Deposit HK$5.98M · loan HK$13.94M · min. income ≈ HK$149,132/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,759
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$84,302
−HK$2,584/mo
Today · 4.125%
HK$86,886
baseline
▲ 0.50% · 4.625%
HK$92,173
+HK$5,287/mo
Deposit HK$1.99M · loan HK$17.93M · min. income ≈ HK$173,772/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,956
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$93,395
−HK$2,475/mo
Today · 4.125%
HK$95,870
baseline
▲ 0.50% · 4.625%
HK$100,923
+HK$5,053/mo
Deposit HK$1.99M · loan HK$17.93M · min. income ≈ HK$191,740/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,982 · Scale 2, in force from 26 Feb 2026)