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$45,476
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,890
−HK$1,437/mo
Today · 4.125%
HK$48,327
baseline
▲ 0.50% · 4.625%
HK$51,268
+HK$2,941/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$96,654/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$747,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,591
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,948
−HK$1,377/mo
Today · 4.125%
HK$53,325
baseline
▲ 0.50% · 4.625%
HK$56,135
+HK$2,810/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$106,650/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$747,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,571
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$56,268
−HK$1,725/mo
Today · 4.125%
HK$57,993
baseline
▲ 0.50% · 4.625%
HK$61,522
+HK$3,529/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$115,986/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$747,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,710
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,338
−HK$1,651/mo
Today · 4.125%
HK$63,989
baseline
▲ 0.50% · 4.625%
HK$67,362
+HK$3,373/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$127,978/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$747,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,666
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$65,646
−HK$2,012/mo
Today · 4.125%
HK$67,658
baseline
▲ 0.50% · 4.625%
HK$71,775
+HK$4,117/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$135,316/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,828
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$72,727
−HK$1,927/mo
Today · 4.125%
HK$74,654
baseline
▲ 0.50% · 4.625%
HK$78,590
+HK$3,936/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$149,308/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,856
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$84,402
−HK$2,587/mo
Today · 4.125%
HK$86,989
baseline
▲ 0.50% · 4.625%
HK$92,282
+HK$5,293/mo
Deposit HK$1.99M · loan HK$17.95M · min. income ≈ HK$173,978/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,064
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$93,507
−HK$2,477/mo
Today · 4.125%
HK$95,984
baseline
▲ 0.50% · 4.625%
HK$101,044
+HK$5,060/mo
Deposit HK$1.99M · loan HK$17.95M · min. income ≈ HK$191,968/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,872 · Scale 2, in force from 26 Feb 2026)