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$45,417
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,829
−HK$1,436/mo
Today · 4.125%
HK$48,265
baseline
▲ 0.50% · 4.625%
HK$51,202
+HK$2,937/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$96,530/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$746,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,526
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,881
−HK$1,374/mo
Today · 4.125%
HK$53,255
baseline
▲ 0.50% · 4.625%
HK$56,063
+HK$2,808/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$106,510/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$746,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,500
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,195
−HK$1,723/mo
Today · 4.125%
HK$57,918
baseline
▲ 0.50% · 4.625%
HK$61,442
+HK$3,524/mo
Deposit HK$7.97M · loan HK$11.95M · min. income ≈ HK$115,836/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,631
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,257
−HK$1,649/mo
Today · 4.125%
HK$63,906
baseline
▲ 0.50% · 4.625%
HK$67,275
+HK$3,369/mo
Deposit HK$7.97M · loan HK$11.95M · min. income ≈ HK$127,812/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,583
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$65,561
−HK$2,010/mo
Today · 4.125%
HK$67,571
baseline
▲ 0.50% · 4.625%
HK$71,682
+HK$4,111/mo
Deposit HK$5.98M · loan HK$13.94M · min. income ≈ HK$135,142/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,736
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$72,633
−HK$1,924/mo
Today · 4.125%
HK$74,557
baseline
▲ 0.50% · 4.625%
HK$78,488
+HK$3,931/mo
Deposit HK$5.98M · loan HK$13.94M · min. income ≈ HK$149,114/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,750
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$84,293
−HK$2,583/mo
Today · 4.125%
HK$86,876
baseline
▲ 0.50% · 4.625%
HK$92,163
+HK$5,287/mo
Deposit HK$1.99M · loan HK$17.93M · min. income ≈ HK$173,752/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,946
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$93,385
−HK$2,475/mo
Today · 4.125%
HK$95,860
baseline
▲ 0.50% · 4.625%
HK$100,913
+HK$5,053/mo
Deposit HK$1.99M · loan HK$17.93M · min. income ≈ HK$191,720/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,902 · Scale 2, in force from 26 Feb 2026)