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$45,468
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,882
−HK$1,437/mo
Today · 4.125%
HK$48,319
baseline
▲ 0.50% · 4.625%
HK$51,259
+HK$2,940/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$96,638/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$747,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,583
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,939
−HK$1,377/mo
Today · 4.125%
HK$53,316
baseline
▲ 0.50% · 4.625%
HK$56,126
+HK$2,810/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$106,632/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$747,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,562
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$56,259
−HK$1,724/mo
Today · 4.125%
HK$57,983
baseline
▲ 0.50% · 4.625%
HK$61,511
+HK$3,528/mo
Deposit HK$7.98M · loan HK$11.96M · min. income ≈ HK$115,966/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,699
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$62,327
−HK$1,652/mo
Today · 4.125%
HK$63,979
baseline
▲ 0.50% · 4.625%
HK$67,351
+HK$3,372/mo
Deposit HK$7.98M · loan HK$11.96M · min. income ≈ HK$127,958/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,655
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$65,635
−HK$2,012/mo
Today · 4.125%
HK$67,647
baseline
▲ 0.50% · 4.625%
HK$71,763
+HK$4,116/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$135,294/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,816
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$72,715
−HK$1,927/mo
Today · 4.125%
HK$74,642
baseline
▲ 0.50% · 4.625%
HK$78,576
+HK$3,934/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$149,284/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,842
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$84,388
−HK$2,587/mo
Today · 4.125%
HK$86,975
baseline
▲ 0.50% · 4.625%
HK$92,267
+HK$5,292/mo
Deposit HK$1.99M · loan HK$17.95M · min. income ≈ HK$173,950/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,049
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$93,491
−HK$2,477/mo
Today · 4.125%
HK$95,968
baseline
▲ 0.50% · 4.625%
HK$101,027
+HK$5,059/mo
Deposit HK$1.99M · loan HK$17.95M · min. income ≈ HK$191,936/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,745 · Scale 2, in force from 26 Feb 2026)