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$45,413
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,825
−HK$1,436/mo
Today · 4.125%
HK$48,261
baseline
▲ 0.50% · 4.625%
HK$51,197
+HK$2,936/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$96,522/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,521
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,876
−HK$1,375/mo
Today · 4.125%
HK$53,251
baseline
▲ 0.50% · 4.625%
HK$56,058
+HK$2,807/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$106,502/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,495
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,190
−HK$1,723/mo
Today · 4.125%
HK$57,913
baseline
▲ 0.50% · 4.625%
HK$61,437
+HK$3,524/mo
Deposit HK$7.97M · loan HK$11.95M · min. income ≈ HK$115,826/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,626
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,252
−HK$1,649/mo
Today · 4.125%
HK$63,901
baseline
▲ 0.50% · 4.625%
HK$67,269
+HK$3,368/mo
Deposit HK$7.97M · loan HK$11.95M · min. income ≈ HK$127,802/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,578
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$65,556
−HK$2,009/mo
Today · 4.125%
HK$67,565
baseline
▲ 0.50% · 4.625%
HK$71,676
+HK$4,111/mo
Deposit HK$5.97M · loan HK$13.94M · min. income ≈ HK$135,130/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,730
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$72,627
−HK$1,924/mo
Today · 4.125%
HK$74,551
baseline
▲ 0.50% · 4.625%
HK$78,481
+HK$3,930/mo
Deposit HK$5.97M · loan HK$13.94M · min. income ≈ HK$149,102/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,743
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$84,286
−HK$2,583/mo
Today · 4.125%
HK$86,869
baseline
▲ 0.50% · 4.625%
HK$92,155
+HK$5,286/mo
Deposit HK$1.99M · loan HK$17.92M · min. income ≈ HK$173,738/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,938
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$93,377
−HK$2,474/mo
Today · 4.125%
HK$95,851
baseline
▲ 0.50% · 4.625%
HK$100,904
+HK$5,053/mo
Deposit HK$1.99M · loan HK$17.92M · min. income ≈ HK$191,702/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,838 · Scale 2, in force from 26 Feb 2026)