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$45,437
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$46,850
−HK$1,436/mo
Today · 4.125%
HK$48,286
baseline
▲ 0.50% · 4.625%
HK$51,224
+HK$2,938/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$96,572/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,548
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,903
−HK$1,376/mo
Today · 4.125%
HK$53,279
baseline
▲ 0.50% · 4.625%
HK$56,087
+HK$2,808/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$106,558/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,524
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,220
−HK$1,723/mo
Today · 4.125%
HK$57,943
baseline
▲ 0.50% · 4.625%
HK$61,469
+HK$3,526/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$115,886/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,657
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,284
−HK$1,651/mo
Today · 4.125%
HK$63,935
baseline
▲ 0.50% · 4.625%
HK$67,305
+HK$3,370/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$127,870/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,611
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$65,590
−HK$2,010/mo
Today · 4.125%
HK$67,600
baseline
▲ 0.50% · 4.625%
HK$71,714
+HK$4,114/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$135,200/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,767
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$72,665
−HK$1,925/mo
Today · 4.125%
HK$74,590
baseline
▲ 0.50% · 4.625%
HK$78,522
+HK$3,932/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$149,180/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,786
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$84,330
−HK$2,585/mo
Today · 4.125%
HK$86,915
baseline
▲ 0.50% · 4.625%
HK$92,203
+HK$5,288/mo
Deposit HK$1.99M · loan HK$17.93M · min. income ≈ HK$173,830/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,986
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$93,426
−HK$2,476/mo
Today · 4.125%
HK$95,902
baseline
▲ 0.50% · 4.625%
HK$100,957
+HK$5,055/mo
Deposit HK$1.99M · loan HK$17.93M · min. income ≈ HK$191,804/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,230 · Scale 2, in force from 26 Feb 2026)