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$45,446
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,860
−HK$1,436/mo
Today · 4.125%
HK$48,296
baseline
▲ 0.50% · 4.625%
HK$51,235
+HK$2,939/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$96,592/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,558
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,914
−HK$1,376/mo
Today · 4.125%
HK$53,290
baseline
▲ 0.50% · 4.625%
HK$56,099
+HK$2,809/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$106,580/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,535
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,232
−HK$1,723/mo
Today · 4.125%
HK$57,955
baseline
▲ 0.50% · 4.625%
HK$61,482
+HK$3,527/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$115,910/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,670
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,297
−HK$1,651/mo
Today · 4.125%
HK$63,948
baseline
▲ 0.50% · 4.625%
HK$67,319
+HK$3,371/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$127,896/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,625
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$65,604
−HK$2,011/mo
Today · 4.125%
HK$67,615
baseline
▲ 0.50% · 4.625%
HK$71,729
+HK$4,114/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$135,230/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,782
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$72,680
−HK$1,926/mo
Today · 4.125%
HK$74,606
baseline
▲ 0.50% · 4.625%
HK$78,539
+HK$3,933/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$149,212/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,803
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$84,348
−HK$2,585/mo
Today · 4.125%
HK$86,933
baseline
▲ 0.50% · 4.625%
HK$92,223
+HK$5,290/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$173,866/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,005
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$93,446
−HK$2,476/mo
Today · 4.125%
HK$95,922
baseline
▲ 0.50% · 4.625%
HK$100,978
+HK$5,056/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$191,844/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,387 · Scale 2, in force from 26 Feb 2026)