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$45,485
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,900
−HK$1,438/mo
Today · 4.125%
HK$48,338
baseline
▲ 0.50% · 4.625%
HK$51,279
+HK$2,941/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$96,676/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$748,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,602
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,959
−HK$1,377/mo
Today · 4.125%
HK$53,336
baseline
▲ 0.50% · 4.625%
HK$56,147
+HK$2,811/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$106,672/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$748,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,582
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$56,280
−HK$1,725/mo
Today · 4.125%
HK$58,005
baseline
▲ 0.50% · 4.625%
HK$61,535
+HK$3,530/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$116,010/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,722
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,351
−HK$1,652/mo
Today · 4.125%
HK$64,003
baseline
▲ 0.50% · 4.625%
HK$67,377
+HK$3,374/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$128,006/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,679
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$65,660
−HK$2,013/mo
Today · 4.125%
HK$67,673
baseline
▲ 0.50% · 4.625%
HK$71,790
+HK$4,117/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$135,346/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$748,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,843
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$72,743
−HK$1,927/mo
Today · 4.125%
HK$74,670
baseline
▲ 0.50% · 4.625%
HK$78,606
+HK$3,936/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$149,340/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$748,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,874
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$84,420
−HK$2,588/mo
Today · 4.125%
HK$87,008
baseline
▲ 0.50% · 4.625%
HK$92,302
+HK$5,294/mo
Deposit HK$1.99M · loan HK$17.95M · min. income ≈ HK$174,016/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,084
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$93,526
−HK$2,479/mo
Today · 4.125%
HK$96,005
baseline
▲ 0.50% · 4.625%
HK$101,065
+HK$5,060/mo
Deposit HK$1.99M · loan HK$17.95M · min. income ≈ HK$192,010/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,031 · Scale 2, in force from 26 Feb 2026)