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$45,473
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,888
−HK$1,437/mo
Today · 4.125%
HK$48,325
baseline
▲ 0.50% · 4.625%
HK$51,265
+HK$2,940/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$96,650/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$747,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,589
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,945
−HK$1,377/mo
Today · 4.125%
HK$53,322
baseline
▲ 0.50% · 4.625%
HK$56,132
+HK$2,810/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$106,644/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$747,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,568
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$56,265
−HK$1,725/mo
Today · 4.125%
HK$57,990
baseline
▲ 0.50% · 4.625%
HK$61,518
+HK$3,528/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$115,980/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,706
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$62,334
−HK$1,652/mo
Today · 4.125%
HK$63,986
baseline
▲ 0.50% · 4.625%
HK$67,359
+HK$3,373/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$127,972/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,663
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$65,643
−HK$2,012/mo
Today · 4.125%
HK$67,655
baseline
▲ 0.50% · 4.625%
HK$71,771
+HK$4,116/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$135,310/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,824
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$72,723
−HK$1,927/mo
Today · 4.125%
HK$74,650
baseline
▲ 0.50% · 4.625%
HK$78,585
+HK$3,935/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$149,300/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,852
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$84,398
−HK$2,587/mo
Today · 4.125%
HK$86,985
baseline
▲ 0.50% · 4.625%
HK$92,278
+HK$5,293/mo
Deposit HK$1.99M · loan HK$17.95M · min. income ≈ HK$173,970/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,059
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$93,502
−HK$2,477/mo
Today · 4.125%
HK$95,979
baseline
▲ 0.50% · 4.625%
HK$101,038
+HK$5,059/mo
Deposit HK$1.99M · loan HK$17.95M · min. income ≈ HK$191,958/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,832 · Scale 2, in force from 26 Feb 2026)