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$45,382
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,794
−HK$1,434/mo
Today · 4.125%
HK$48,228
baseline
▲ 0.50% · 4.625%
HK$51,163
+HK$2,935/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$96,456/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,487
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,841
−HK$1,374/mo
Today · 4.125%
HK$53,215
baseline
▲ 0.50% · 4.625%
HK$56,020
+HK$2,805/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$106,430/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,459
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,153
−HK$1,721/mo
Today · 4.125%
HK$57,874
baseline
▲ 0.50% · 4.625%
HK$61,395
+HK$3,521/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$115,748/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,585
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,209
−HK$1,649/mo
Today · 4.125%
HK$63,858
baseline
▲ 0.50% · 4.625%
HK$67,224
+HK$3,366/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$127,716/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,535
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$65,511
−HK$2,008/mo
Today · 4.125%
HK$67,519
baseline
▲ 0.50% · 4.625%
HK$71,628
+HK$4,109/mo
Deposit HK$5.97M · loan HK$13.93M · min. income ≈ HK$135,038/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,682
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$72,578
−HK$1,923/mo
Today · 4.125%
HK$74,501
baseline
▲ 0.50% · 4.625%
HK$78,428
+HK$3,927/mo
Deposit HK$5.97M · loan HK$13.93M · min. income ≈ HK$149,002/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,688
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$84,229
−HK$2,581/mo
Today · 4.125%
HK$86,810
baseline
▲ 0.50% · 4.625%
HK$92,093
+HK$5,283/mo
Deposit HK$1.99M · loan HK$17.91M · min. income ≈ HK$173,620/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,877
−HK$4,910/mo
▼ 0.25% · 3.875%
HK$93,314
−HK$2,473/mo
Today · 4.125%
HK$95,787
baseline
▲ 0.50% · 4.625%
HK$100,836
+HK$5,049/mo
Deposit HK$1.99M · loan HK$17.91M · min. income ≈ HK$191,574/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,333 · Scale 2, in force from 26 Feb 2026)