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$45,429
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$46,842
−HK$1,436/mo
Today · 4.125%
HK$48,278
baseline
▲ 0.50% · 4.625%
HK$51,215
+HK$2,937/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$96,556/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,539
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,895
−HK$1,375/mo
Today · 4.125%
HK$53,270
baseline
▲ 0.50% · 4.625%
HK$56,078
+HK$2,808/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$106,540/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,515
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,210
−HK$1,723/mo
Today · 4.125%
HK$57,933
baseline
▲ 0.50% · 4.625%
HK$61,458
+HK$3,525/mo
Deposit HK$7.97M · loan HK$11.95M · min. income ≈ HK$115,866/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,647
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,274
−HK$1,650/mo
Today · 4.125%
HK$63,924
baseline
▲ 0.50% · 4.625%
HK$67,293
+HK$3,369/mo
Deposit HK$7.97M · loan HK$11.95M · min. income ≈ HK$127,848/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,600
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$65,579
−HK$2,010/mo
Today · 4.125%
HK$67,589
baseline
▲ 0.50% · 4.625%
HK$71,701
+HK$4,112/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$135,178/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$747,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,755
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$72,652
−HK$1,926/mo
Today · 4.125%
HK$74,578
baseline
▲ 0.50% · 4.625%
HK$78,509
+HK$3,931/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$149,156/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$747,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,772
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$84,316
−HK$2,584/mo
Today · 4.125%
HK$86,900
baseline
▲ 0.50% · 4.625%
HK$92,188
+HK$5,288/mo
Deposit HK$1.99M · loan HK$17.93M · min. income ≈ HK$173,800/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,971
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$93,410
−HK$2,475/mo
Today · 4.125%
HK$95,885
baseline
▲ 0.50% · 4.625%
HK$100,940
+HK$5,055/mo
Deposit HK$1.99M · loan HK$17.93M · min. income ≈ HK$191,770/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,102 · Scale 2, in force from 26 Feb 2026)