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$45,426
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,839
−HK$1,435/mo
Today · 4.125%
HK$48,274
baseline
▲ 0.50% · 4.625%
HK$51,211
+HK$2,937/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$96,548/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,535
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,891
−HK$1,375/mo
Today · 4.125%
HK$53,266
baseline
▲ 0.50% · 4.625%
HK$56,073
+HK$2,807/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$106,532/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,511
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,206
−HK$1,723/mo
Today · 4.125%
HK$57,929
baseline
▲ 0.50% · 4.625%
HK$61,454
+HK$3,525/mo
Deposit HK$7.97M · loan HK$11.95M · min. income ≈ HK$115,858/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,643
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,269
−HK$1,650/mo
Today · 4.125%
HK$63,919
baseline
▲ 0.50% · 4.625%
HK$67,288
+HK$3,369/mo
Deposit HK$7.97M · loan HK$11.95M · min. income ≈ HK$127,838/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,596
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$65,574
−HK$2,010/mo
Today · 4.125%
HK$67,584
baseline
▲ 0.50% · 4.625%
HK$71,696
+HK$4,112/mo
Deposit HK$5.98M · loan HK$13.94M · min. income ≈ HK$135,168/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$747,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,750
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$72,647
−HK$1,925/mo
Today · 4.125%
HK$74,572
baseline
▲ 0.50% · 4.625%
HK$78,503
+HK$3,931/mo
Deposit HK$5.98M · loan HK$13.94M · min. income ≈ HK$149,144/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$747,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,766
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$84,309
−HK$2,584/mo
Today · 4.125%
HK$86,893
baseline
▲ 0.50% · 4.625%
HK$92,181
+HK$5,288/mo
Deposit HK$1.99M · loan HK$17.93M · min. income ≈ HK$173,786/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,964
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$93,403
−HK$2,475/mo
Today · 4.125%
HK$95,878
baseline
▲ 0.50% · 4.625%
HK$100,932
+HK$5,054/mo
Deposit HK$1.99M · loan HK$17.93M · min. income ≈ HK$191,756/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,047 · Scale 2, in force from 26 Feb 2026)