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$45,418
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,831
−HK$1,435/mo
Today · 4.125%
HK$48,266
baseline
▲ 0.50% · 4.625%
HK$51,203
+HK$2,937/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$96,532/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$746,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,527
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,882
−HK$1,375/mo
Today · 4.125%
HK$53,257
baseline
▲ 0.50% · 4.625%
HK$56,064
+HK$2,807/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$106,514/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$746,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,502
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,197
−HK$1,723/mo
Today · 4.125%
HK$57,920
baseline
▲ 0.50% · 4.625%
HK$61,444
+HK$3,524/mo
Deposit HK$7.97M · loan HK$11.95M · min. income ≈ HK$115,840/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,633
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,259
−HK$1,650/mo
Today · 4.125%
HK$63,909
baseline
▲ 0.50% · 4.625%
HK$67,277
+HK$3,368/mo
Deposit HK$7.97M · loan HK$11.95M · min. income ≈ HK$127,818/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,585
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$65,563
−HK$2,010/mo
Today · 4.125%
HK$67,573
baseline
▲ 0.50% · 4.625%
HK$71,684
+HK$4,111/mo
Deposit HK$5.98M · loan HK$13.94M · min. income ≈ HK$135,146/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,738
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$72,635
−HK$1,925/mo
Today · 4.125%
HK$74,560
baseline
▲ 0.50% · 4.625%
HK$78,490
+HK$3,930/mo
Deposit HK$5.98M · loan HK$13.94M · min. income ≈ HK$149,120/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,753
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$84,296
−HK$2,583/mo
Today · 4.125%
HK$86,879
baseline
▲ 0.50% · 4.625%
HK$92,166
+HK$5,287/mo
Deposit HK$1.99M · loan HK$17.93M · min. income ≈ HK$173,758/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,949
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$93,388
−HK$2,475/mo
Today · 4.125%
HK$95,863
baseline
▲ 0.50% · 4.625%
HK$100,916
+HK$5,053/mo
Deposit HK$1.99M · loan HK$17.93M · min. income ≈ HK$191,726/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,926 · Scale 2, in force from 26 Feb 2026)