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$45,404
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$46,816
−HK$1,435/mo
Today · 4.125%
HK$48,251
baseline
▲ 0.50% · 4.625%
HK$51,187
+HK$2,936/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$96,502/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,512
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,866
−HK$1,375/mo
Today · 4.125%
HK$53,241
baseline
▲ 0.50% · 4.625%
HK$56,047
+HK$2,806/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$106,482/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,485
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$56,180
−HK$1,722/mo
Today · 4.125%
HK$57,902
baseline
▲ 0.50% · 4.625%
HK$61,425
+HK$3,523/mo
Deposit HK$7.96M · loan HK$11.95M · min. income ≈ HK$115,804/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,614
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,240
−HK$1,649/mo
Today · 4.125%
HK$63,889
baseline
▲ 0.50% · 4.625%
HK$67,256
+HK$3,367/mo
Deposit HK$7.96M · loan HK$11.95M · min. income ≈ HK$127,778/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,566
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$65,543
−HK$2,009/mo
Today · 4.125%
HK$67,552
baseline
▲ 0.50% · 4.625%
HK$71,662
+HK$4,110/mo
Deposit HK$5.97M · loan HK$13.94M · min. income ≈ HK$135,104/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,716
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$72,613
−HK$1,924/mo
Today · 4.125%
HK$74,537
baseline
▲ 0.50% · 4.625%
HK$78,466
+HK$3,929/mo
Deposit HK$5.97M · loan HK$13.94M · min. income ≈ HK$149,074/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,727
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$84,270
−HK$2,582/mo
Today · 4.125%
HK$86,852
baseline
▲ 0.50% · 4.625%
HK$92,137
+HK$5,285/mo
Deposit HK$1.99M · loan HK$17.92M · min. income ≈ HK$173,704/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,921
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$93,359
−HK$2,474/mo
Today · 4.125%
HK$95,833
baseline
▲ 0.50% · 4.625%
HK$100,885
+HK$5,052/mo
Deposit HK$1.99M · loan HK$17.92M · min. income ≈ HK$191,666/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,695 · Scale 2, in force from 26 Feb 2026)