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$45,386
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,797
−HK$1,435/mo
Today · 4.125%
HK$48,232
baseline
▲ 0.50% · 4.625%
HK$51,167
+HK$2,935/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$96,464/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,491
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,845
−HK$1,374/mo
Today · 4.125%
HK$53,219
baseline
▲ 0.50% · 4.625%
HK$56,024
+HK$2,805/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$106,438/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,463
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,157
−HK$1,721/mo
Today · 4.125%
HK$57,878
baseline
▲ 0.50% · 4.625%
HK$61,400
+HK$3,522/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$115,756/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,589
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,214
−HK$1,649/mo
Today · 4.125%
HK$63,863
baseline
▲ 0.50% · 4.625%
HK$67,229
+HK$3,366/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$127,726/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,540
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$65,516
−HK$2,008/mo
Today · 4.125%
HK$67,524
baseline
▲ 0.50% · 4.625%
HK$71,633
+HK$4,109/mo
Deposit HK$5.97M · loan HK$13.93M · min. income ≈ HK$135,048/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,688
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$72,583
−HK$1,924/mo
Today · 4.125%
HK$74,507
baseline
▲ 0.50% · 4.625%
HK$78,434
+HK$3,927/mo
Deposit HK$5.97M · loan HK$13.93M · min. income ≈ HK$149,014/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,694
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$84,235
−HK$2,582/mo
Today · 4.125%
HK$86,817
baseline
▲ 0.50% · 4.625%
HK$92,100
+HK$5,283/mo
Deposit HK$1.99M · loan HK$17.91M · min. income ≈ HK$173,634/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,884
−HK$4,910/mo
▼ 0.25% · 3.875%
HK$93,321
−HK$2,473/mo
Today · 4.125%
HK$95,794
baseline
▲ 0.50% · 4.625%
HK$100,844
+HK$5,050/mo
Deposit HK$1.99M · loan HK$17.91M · min. income ≈ HK$191,588/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,391 · Scale 2, in force from 26 Feb 2026)