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$45,371
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,782
−HK$1,434/mo
Today · 4.125%
HK$48,216
baseline
▲ 0.50% · 4.625%
HK$51,150
+HK$2,934/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$96,432/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$746,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,474
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,828
−HK$1,373/mo
Today · 4.125%
HK$53,201
baseline
▲ 0.50% · 4.625%
HK$56,006
+HK$2,805/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$106,402/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$746,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,445
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$56,138
−HK$1,721/mo
Today · 4.125%
HK$57,859
baseline
▲ 0.50% · 4.625%
HK$61,380
+HK$3,521/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$115,718/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,569
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,194
−HK$1,648/mo
Today · 4.125%
HK$63,842
baseline
▲ 0.50% · 4.625%
HK$67,207
+HK$3,365/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$127,684/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,519
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$65,495
−HK$2,007/mo
Today · 4.125%
HK$67,502
baseline
▲ 0.50% · 4.625%
HK$71,610
+HK$4,108/mo
Deposit HK$5.97M · loan HK$13.93M · min. income ≈ HK$135,004/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,664
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$72,559
−HK$1,923/mo
Today · 4.125%
HK$74,482
baseline
▲ 0.50% · 4.625%
HK$78,408
+HK$3,926/mo
Deposit HK$5.97M · loan HK$13.93M · min. income ≈ HK$148,964/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,667
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$84,208
−HK$2,581/mo
Today · 4.125%
HK$86,789
baseline
▲ 0.50% · 4.625%
HK$92,069
+HK$5,280/mo
Deposit HK$1.99M · loan HK$17.91M · min. income ≈ HK$173,578/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,854
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$93,291
−HK$2,472/mo
Today · 4.125%
HK$95,763
baseline
▲ 0.50% · 4.625%
HK$100,810
+HK$5,047/mo
Deposit HK$1.99M · loan HK$17.91M · min. income ≈ HK$191,526/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,146 · Scale 2, in force from 26 Feb 2026)