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$45,448
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,862
−HK$1,436/mo
Today · 4.125%
HK$48,298
baseline
▲ 0.50% · 4.625%
HK$51,237
+HK$2,939/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$96,596/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,560
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,916
−HK$1,376/mo
Today · 4.125%
HK$53,292
baseline
▲ 0.50% · 4.625%
HK$56,101
+HK$2,809/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$106,584/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,538
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,234
−HK$1,724/mo
Today · 4.125%
HK$57,958
baseline
▲ 0.50% · 4.625%
HK$61,484
+HK$3,526/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$115,916/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,673
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,300
−HK$1,650/mo
Today · 4.125%
HK$63,950
baseline
▲ 0.50% · 4.625%
HK$67,321
+HK$3,371/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$127,900/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,627
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$65,606
−HK$2,011/mo
Today · 4.125%
HK$67,617
baseline
▲ 0.50% · 4.625%
HK$71,732
+HK$4,115/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$135,234/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,785
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$72,683
−HK$1,926/mo
Today · 4.125%
HK$74,609
baseline
▲ 0.50% · 4.625%
HK$78,542
+HK$3,933/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$149,218/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,806
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$84,351
−HK$2,585/mo
Today · 4.125%
HK$86,936
baseline
▲ 0.50% · 4.625%
HK$92,226
+HK$5,290/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$173,872/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,009
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$93,450
−HK$2,476/mo
Today · 4.125%
HK$95,926
baseline
▲ 0.50% · 4.625%
HK$100,982
+HK$5,056/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$191,852/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,417 · Scale 2, in force from 26 Feb 2026)