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$45,449
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,862
−HK$1,437/mo
Today · 4.125%
HK$48,299
baseline
▲ 0.50% · 4.625%
HK$51,238
+HK$2,939/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$96,598/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,561
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,917
−HK$1,376/mo
Today · 4.125%
HK$53,293
baseline
▲ 0.50% · 4.625%
HK$56,102
+HK$2,809/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$106,586/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,539
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,235
−HK$1,724/mo
Today · 4.125%
HK$57,959
baseline
▲ 0.50% · 4.625%
HK$61,485
+HK$3,526/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$115,918/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,674
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,301
−HK$1,651/mo
Today · 4.125%
HK$63,952
baseline
▲ 0.50% · 4.625%
HK$67,323
+HK$3,371/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$127,904/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,628
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$65,607
−HK$2,011/mo
Today · 4.125%
HK$67,618
baseline
▲ 0.50% · 4.625%
HK$71,733
+HK$4,115/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$135,236/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,786
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$72,684
−HK$1,926/mo
Today · 4.125%
HK$74,610
baseline
▲ 0.50% · 4.625%
HK$78,543
+HK$3,933/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$149,220/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,808
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$84,352
−HK$2,586/mo
Today · 4.125%
HK$86,938
baseline
▲ 0.50% · 4.625%
HK$92,228
+HK$5,290/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$173,876/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,010
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$93,451
−HK$2,476/mo
Today · 4.125%
HK$95,927
baseline
▲ 0.50% · 4.625%
HK$100,984
+HK$5,057/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$191,854/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,429 · Scale 2, in force from 26 Feb 2026)