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$45,440
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$46,853
−HK$1,436/mo
Today · 4.125%
HK$48,289
baseline
▲ 0.50% · 4.625%
HK$51,228
+HK$2,939/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$96,578/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,551
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,907
−HK$1,375/mo
Today · 4.125%
HK$53,282
baseline
▲ 0.50% · 4.625%
HK$56,091
+HK$2,809/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$106,564/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,528
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,224
−HK$1,723/mo
Today · 4.125%
HK$57,947
baseline
▲ 0.50% · 4.625%
HK$61,473
+HK$3,526/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$115,894/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,662
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,289
−HK$1,650/mo
Today · 4.125%
HK$63,939
baseline
▲ 0.50% · 4.625%
HK$67,309
+HK$3,370/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$127,878/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,616
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$65,595
−HK$2,010/mo
Today · 4.125%
HK$67,605
baseline
▲ 0.50% · 4.625%
HK$71,719
+HK$4,114/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$135,210/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,772
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$72,670
−HK$1,925/mo
Today · 4.125%
HK$74,595
baseline
▲ 0.50% · 4.625%
HK$78,527
+HK$3,932/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$149,190/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,792
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$84,336
−HK$2,585/mo
Today · 4.125%
HK$86,921
baseline
▲ 0.50% · 4.625%
HK$92,210
+HK$5,289/mo
Deposit HK$1.99M · loan HK$17.93M · min. income ≈ HK$173,842/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,992
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$93,433
−HK$2,475/mo
Today · 4.125%
HK$95,908
baseline
▲ 0.50% · 4.625%
HK$100,964
+HK$5,056/mo
Deposit HK$1.99M · loan HK$17.93M · min. income ≈ HK$191,816/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,282 · Scale 2, in force from 26 Feb 2026)