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$45,406
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$46,818
−HK$1,435/mo
Today · 4.125%
HK$48,253
baseline
▲ 0.50% · 4.625%
HK$51,189
+HK$2,936/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$96,506/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,514
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,868
−HK$1,375/mo
Today · 4.125%
HK$53,243
baseline
▲ 0.50% · 4.625%
HK$56,049
+HK$2,806/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$106,486/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,487
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$56,182
−HK$1,722/mo
Today · 4.125%
HK$57,904
baseline
▲ 0.50% · 4.625%
HK$61,427
+HK$3,523/mo
Deposit HK$7.97M · loan HK$11.95M · min. income ≈ HK$115,808/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,616
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,242
−HK$1,649/mo
Today · 4.125%
HK$63,891
baseline
▲ 0.50% · 4.625%
HK$67,259
+HK$3,368/mo
Deposit HK$7.97M · loan HK$11.95M · min. income ≈ HK$127,782/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,568
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$65,546
−HK$2,008/mo
Today · 4.125%
HK$67,554
baseline
▲ 0.50% · 4.625%
HK$71,665
+HK$4,111/mo
Deposit HK$5.97M · loan HK$13.94M · min. income ≈ HK$135,108/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,719
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$72,616
−HK$1,924/mo
Today · 4.125%
HK$74,540
baseline
▲ 0.50% · 4.625%
HK$78,469
+HK$3,929/mo
Deposit HK$5.97M · loan HK$13.94M · min. income ≈ HK$149,080/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,731
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$84,273
−HK$2,583/mo
Today · 4.125%
HK$86,856
baseline
▲ 0.50% · 4.625%
HK$92,141
+HK$5,285/mo
Deposit HK$1.99M · loan HK$17.92M · min. income ≈ HK$173,712/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,924
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$93,363
−HK$2,474/mo
Today · 4.125%
HK$95,837
baseline
▲ 0.50% · 4.625%
HK$100,888
+HK$5,051/mo
Deposit HK$1.99M · loan HK$17.92M · min. income ≈ HK$191,674/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,723 · Scale 2, in force from 26 Feb 2026)