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$45,415
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,828
−HK$1,435/mo
Today · 4.125%
HK$48,263
baseline
▲ 0.50% · 4.625%
HK$51,200
+HK$2,937/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$96,526/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$746,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,524
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,879
−HK$1,375/mo
Today · 4.125%
HK$53,254
baseline
▲ 0.50% · 4.625%
HK$56,061
+HK$2,807/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$106,508/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$746,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,498
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,193
−HK$1,723/mo
Today · 4.125%
HK$57,916
baseline
▲ 0.50% · 4.625%
HK$61,440
+HK$3,524/mo
Deposit HK$7.97M · loan HK$11.95M · min. income ≈ HK$115,832/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,629
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,255
−HK$1,649/mo
Today · 4.125%
HK$63,904
baseline
▲ 0.50% · 4.625%
HK$67,273
+HK$3,369/mo
Deposit HK$7.97M · loan HK$11.95M · min. income ≈ HK$127,808/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,581
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$65,559
−HK$2,009/mo
Today · 4.125%
HK$67,568
baseline
▲ 0.50% · 4.625%
HK$71,680
+HK$4,112/mo
Deposit HK$5.98M · loan HK$13.94M · min. income ≈ HK$135,136/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,734
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$72,631
−HK$1,924/mo
Today · 4.125%
HK$74,555
baseline
▲ 0.50% · 4.625%
HK$78,485
+HK$3,930/mo
Deposit HK$5.98M · loan HK$13.94M · min. income ≈ HK$149,110/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,747
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$84,290
−HK$2,584/mo
Today · 4.125%
HK$86,874
baseline
▲ 0.50% · 4.625%
HK$92,160
+HK$5,286/mo
Deposit HK$1.99M · loan HK$17.93M · min. income ≈ HK$173,748/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,943
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$93,382
−HK$2,474/mo
Today · 4.125%
HK$95,856
baseline
▲ 0.50% · 4.625%
HK$100,909
+HK$5,053/mo
Deposit HK$1.99M · loan HK$17.93M · min. income ≈ HK$191,712/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,877 · Scale 2, in force from 26 Feb 2026)