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$45,455
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,868
−HK$1,437/mo
Today · 4.125%
HK$48,305
baseline
▲ 0.50% · 4.625%
HK$51,244
+HK$2,939/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$96,610/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,568
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,924
−HK$1,376/mo
Today · 4.125%
HK$53,300
baseline
▲ 0.50% · 4.625%
HK$56,109
+HK$2,809/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$106,600/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,545
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$56,242
−HK$1,724/mo
Today · 4.125%
HK$57,966
baseline
▲ 0.50% · 4.625%
HK$61,493
+HK$3,527/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$115,932/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,681
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,309
−HK$1,651/mo
Today · 4.125%
HK$63,960
baseline
▲ 0.50% · 4.625%
HK$67,331
+HK$3,371/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$127,920/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,636
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$65,616
−HK$2,011/mo
Today · 4.125%
HK$67,627
baseline
▲ 0.50% · 4.625%
HK$71,742
+HK$4,115/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$135,254/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,795
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$72,694
−HK$1,926/mo
Today · 4.125%
HK$74,620
baseline
▲ 0.50% · 4.625%
HK$78,553
+HK$3,933/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$149,240/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,818
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$84,363
−HK$2,586/mo
Today · 4.125%
HK$86,949
baseline
▲ 0.50% · 4.625%
HK$92,240
+HK$5,291/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$173,898/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,022
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$93,463
−HK$2,477/mo
Today · 4.125%
HK$95,940
baseline
▲ 0.50% · 4.625%
HK$100,997
+HK$5,057/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$191,880/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,525 · Scale 2, in force from 26 Feb 2026)