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$45,373
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,784
−HK$1,434/mo
Today · 4.125%
HK$48,218
baseline
▲ 0.50% · 4.625%
HK$51,152
+HK$2,934/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$96,436/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,477
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,831
−HK$1,373/mo
Today · 4.125%
HK$53,204
baseline
▲ 0.50% · 4.625%
HK$56,008
+HK$2,804/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$106,408/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,447
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,141
−HK$1,721/mo
Today · 4.125%
HK$57,862
baseline
▲ 0.50% · 4.625%
HK$61,382
+HK$3,520/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$115,724/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,572
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,197
−HK$1,648/mo
Today · 4.125%
HK$63,845
baseline
▲ 0.50% · 4.625%
HK$67,210
+HK$3,365/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$127,690/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,522
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$65,498
−HK$2,007/mo
Today · 4.125%
HK$67,505
baseline
▲ 0.50% · 4.625%
HK$71,613
+HK$4,108/mo
Deposit HK$5.97M · loan HK$13.93M · min. income ≈ HK$135,010/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,667
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$72,563
−HK$1,922/mo
Today · 4.125%
HK$74,485
baseline
▲ 0.50% · 4.625%
HK$78,412
+HK$3,927/mo
Deposit HK$5.97M · loan HK$13.93M · min. income ≈ HK$148,970/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,671
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$84,211
−HK$2,582/mo
Today · 4.125%
HK$86,793
baseline
▲ 0.50% · 4.625%
HK$92,074
+HK$5,281/mo
Deposit HK$1.99M · loan HK$17.91M · min. income ≈ HK$173,586/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,858
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$93,295
−HK$2,472/mo
Today · 4.125%
HK$95,767
baseline
▲ 0.50% · 4.625%
HK$100,815
+HK$5,048/mo
Deposit HK$1.99M · loan HK$17.91M · min. income ≈ HK$191,534/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,180 · Scale 2, in force from 26 Feb 2026)