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$45,458
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,872
−HK$1,437/mo
Today · 4.125%
HK$48,309
baseline
▲ 0.50% · 4.625%
HK$51,248
+HK$2,939/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$96,618/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$747,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,572
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,928
−HK$1,376/mo
Today · 4.125%
HK$53,304
baseline
▲ 0.50% · 4.625%
HK$56,113
+HK$2,809/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$106,608/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$747,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,550
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,246
−HK$1,724/mo
Today · 4.125%
HK$57,970
baseline
▲ 0.50% · 4.625%
HK$61,498
+HK$3,528/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$115,940/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,686
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,313
−HK$1,652/mo
Today · 4.125%
HK$63,965
baseline
▲ 0.50% · 4.625%
HK$67,336
+HK$3,371/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$127,930/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,641
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$65,621
−HK$2,011/mo
Today · 4.125%
HK$67,632
baseline
▲ 0.50% · 4.625%
HK$71,747
+HK$4,115/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$135,264/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,800
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$72,699
−HK$1,926/mo
Today · 4.125%
HK$74,625
baseline
▲ 0.50% · 4.625%
HK$78,559
+HK$3,934/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$149,250/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,824
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$84,370
−HK$2,585/mo
Today · 4.125%
HK$86,955
baseline
▲ 0.50% · 4.625%
HK$92,247
+HK$5,292/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$173,910/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,029
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$93,470
−HK$2,477/mo
Today · 4.125%
HK$95,947
baseline
▲ 0.50% · 4.625%
HK$101,004
+HK$5,057/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$191,894/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,581 · Scale 2, in force from 26 Feb 2026)