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$45,377
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,788
−HK$1,434/mo
Today · 4.125%
HK$48,222
baseline
▲ 0.50% · 4.625%
HK$51,157
+HK$2,935/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$96,444/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,481
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,835
−HK$1,374/mo
Today · 4.125%
HK$53,209
baseline
▲ 0.50% · 4.625%
HK$56,013
+HK$2,804/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$106,418/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,452
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,146
−HK$1,721/mo
Today · 4.125%
HK$57,867
baseline
▲ 0.50% · 4.625%
HK$61,388
+HK$3,521/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$115,734/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,578
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$62,202
−HK$1,648/mo
Today · 4.125%
HK$63,850
baseline
▲ 0.50% · 4.625%
HK$67,216
+HK$3,366/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$127,700/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,528
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$65,504
−HK$2,007/mo
Today · 4.125%
HK$67,511
baseline
▲ 0.50% · 4.625%
HK$71,619
+HK$4,108/mo
Deposit HK$5.97M · loan HK$13.93M · min. income ≈ HK$135,022/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,674
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$72,569
−HK$1,923/mo
Today · 4.125%
HK$74,492
baseline
▲ 0.50% · 4.625%
HK$78,419
+HK$3,927/mo
Deposit HK$5.97M · loan HK$13.93M · min. income ≈ HK$148,984/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,678
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$84,219
−HK$2,581/mo
Today · 4.125%
HK$86,800
baseline
▲ 0.50% · 4.625%
HK$92,082
+HK$5,282/mo
Deposit HK$1.99M · loan HK$17.91M · min. income ≈ HK$173,600/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,866
−HK$4,910/mo
▼ 0.25% · 3.875%
HK$93,303
−HK$2,473/mo
Today · 4.125%
HK$95,776
baseline
▲ 0.50% · 4.625%
HK$100,824
+HK$5,048/mo
Deposit HK$1.99M · loan HK$17.91M · min. income ≈ HK$191,552/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,247 · Scale 2, in force from 26 Feb 2026)