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$45,430
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$46,843
−HK$1,436/mo
Today · 4.125%
HK$48,279
baseline
▲ 0.50% · 4.625%
HK$51,216
+HK$2,937/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$96,558/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,540
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,896
−HK$1,375/mo
Today · 4.125%
HK$53,271
baseline
▲ 0.50% · 4.625%
HK$56,079
+HK$2,808/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$106,542/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,516
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,211
−HK$1,723/mo
Today · 4.125%
HK$57,934
baseline
▲ 0.50% · 4.625%
HK$61,459
+HK$3,525/mo
Deposit HK$7.97M · loan HK$11.95M · min. income ≈ HK$115,868/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,648
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,275
−HK$1,650/mo
Today · 4.125%
HK$63,925
baseline
▲ 0.50% · 4.625%
HK$67,294
+HK$3,369/mo
Deposit HK$7.97M · loan HK$11.95M · min. income ≈ HK$127,850/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,602
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$65,580
−HK$2,010/mo
Today · 4.125%
HK$67,590
baseline
▲ 0.50% · 4.625%
HK$71,703
+HK$4,113/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$135,180/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$747,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,756
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$72,654
−HK$1,925/mo
Today · 4.125%
HK$74,579
baseline
▲ 0.50% · 4.625%
HK$78,510
+HK$3,931/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$149,158/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$747,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,773
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$84,317
−HK$2,584/mo
Today · 4.125%
HK$86,901
baseline
▲ 0.50% · 4.625%
HK$92,189
+HK$5,288/mo
Deposit HK$1.99M · loan HK$17.93M · min. income ≈ HK$173,802/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,972
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$93,412
−HK$2,475/mo
Today · 4.125%
HK$95,887
baseline
▲ 0.50% · 4.625%
HK$100,941
+HK$5,054/mo
Deposit HK$1.99M · loan HK$17.93M · min. income ≈ HK$191,774/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,116 · Scale 2, in force from 26 Feb 2026)