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$45,447
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,861
−HK$1,436/mo
Today · 4.125%
HK$48,297
baseline
▲ 0.50% · 4.625%
HK$51,236
+HK$2,939/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$96,594/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,559
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,915
−HK$1,376/mo
Today · 4.125%
HK$53,291
baseline
▲ 0.50% · 4.625%
HK$56,100
+HK$2,809/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$106,582/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,537
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,233
−HK$1,723/mo
Today · 4.125%
HK$57,956
baseline
▲ 0.50% · 4.625%
HK$61,483
+HK$3,527/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$115,912/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,671
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,299
−HK$1,650/mo
Today · 4.125%
HK$63,949
baseline
▲ 0.50% · 4.625%
HK$67,320
+HK$3,371/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$127,898/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,626
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$65,605
−HK$2,011/mo
Today · 4.125%
HK$67,616
baseline
▲ 0.50% · 4.625%
HK$71,730
+HK$4,114/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$135,232/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,783
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$72,682
−HK$1,925/mo
Today · 4.125%
HK$74,607
baseline
▲ 0.50% · 4.625%
HK$78,540
+HK$3,933/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$149,214/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,805
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$84,349
−HK$2,586/mo
Today · 4.125%
HK$86,935
baseline
▲ 0.50% · 4.625%
HK$92,224
+HK$5,289/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$173,870/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,007
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$93,448
−HK$2,476/mo
Today · 4.125%
HK$95,924
baseline
▲ 0.50% · 4.625%
HK$100,980
+HK$5,056/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$191,848/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,402 · Scale 2, in force from 26 Feb 2026)