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$45,368
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,779
−HK$1,434/mo
Today · 4.125%
HK$48,213
baseline
▲ 0.50% · 4.625%
HK$51,147
+HK$2,934/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$96,426/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$746,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,471
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,825
−HK$1,373/mo
Today · 4.125%
HK$53,198
baseline
▲ 0.50% · 4.625%
HK$56,002
+HK$2,804/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$106,396/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$746,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,442
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$56,135
−HK$1,721/mo
Today · 4.125%
HK$57,856
baseline
▲ 0.50% · 4.625%
HK$61,376
+HK$3,520/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$115,712/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$746,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,566
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$62,190
−HK$1,648/mo
Today · 4.125%
HK$63,838
baseline
▲ 0.50% · 4.625%
HK$67,203
+HK$3,365/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$127,676/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$746,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,515
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$65,491
−HK$2,007/mo
Today · 4.125%
HK$67,498
baseline
▲ 0.50% · 4.625%
HK$71,605
+HK$4,107/mo
Deposit HK$5.97M · loan HK$13.93M · min. income ≈ HK$134,996/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$746,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,660
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$72,555
−HK$1,923/mo
Today · 4.125%
HK$74,478
baseline
▲ 0.50% · 4.625%
HK$78,403
+HK$3,925/mo
Deposit HK$5.97M · loan HK$13.93M · min. income ≈ HK$148,956/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$746,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,662
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$84,203
−HK$2,580/mo
Today · 4.125%
HK$86,783
baseline
▲ 0.50% · 4.625%
HK$92,064
+HK$5,281/mo
Deposit HK$1.99M · loan HK$17.91M · min. income ≈ HK$173,566/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,849
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$93,285
−HK$2,472/mo
Today · 4.125%
HK$95,757
baseline
▲ 0.50% · 4.625%
HK$100,804
+HK$5,047/mo
Deposit HK$1.99M · loan HK$17.91M · min. income ≈ HK$191,514/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,101 · Scale 2, in force from 26 Feb 2026)