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$45,423
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,836
−HK$1,435/mo
Today · 4.125%
HK$48,271
baseline
▲ 0.50% · 4.625%
HK$51,209
+HK$2,938/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$96,542/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,533
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,888
−HK$1,375/mo
Today · 4.125%
HK$53,263
baseline
▲ 0.50% · 4.625%
HK$56,070
+HK$2,807/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$106,526/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,508
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,203
−HK$1,723/mo
Today · 4.125%
HK$57,926
baseline
▲ 0.50% · 4.625%
HK$61,450
+HK$3,524/mo
Deposit HK$7.97M · loan HK$11.95M · min. income ≈ HK$115,852/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,639
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,265
−HK$1,650/mo
Today · 4.125%
HK$63,915
baseline
▲ 0.50% · 4.625%
HK$67,284
+HK$3,369/mo
Deposit HK$7.97M · loan HK$11.95M · min. income ≈ HK$127,830/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,592
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$65,570
−HK$2,010/mo
Today · 4.125%
HK$67,580
baseline
▲ 0.50% · 4.625%
HK$71,692
+HK$4,112/mo
Deposit HK$5.98M · loan HK$13.94M · min. income ≈ HK$135,160/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$747,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,746
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$72,643
−HK$1,925/mo
Today · 4.125%
HK$74,568
baseline
▲ 0.50% · 4.625%
HK$78,498
+HK$3,930/mo
Deposit HK$5.98M · loan HK$13.94M · min. income ≈ HK$149,136/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$747,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,761
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$84,305
−HK$2,584/mo
Today · 4.125%
HK$86,889
baseline
▲ 0.50% · 4.625%
HK$92,175
+HK$5,286/mo
Deposit HK$1.99M · loan HK$17.93M · min. income ≈ HK$173,778/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,959
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$93,398
−HK$2,475/mo
Today · 4.125%
HK$95,873
baseline
▲ 0.50% · 4.625%
HK$100,927
+HK$5,054/mo
Deposit HK$1.99M · loan HK$17.93M · min. income ≈ HK$191,746/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,005 · Scale 2, in force from 26 Feb 2026)