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$45,409
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,821
−HK$1,436/mo
Today · 4.125%
HK$48,257
baseline
▲ 0.50% · 4.625%
HK$51,193
+HK$2,936/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$96,514/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,517
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,872
−HK$1,374/mo
Today · 4.125%
HK$53,246
baseline
▲ 0.50% · 4.625%
HK$56,053
+HK$2,807/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$106,492/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,491
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$56,186
−HK$1,722/mo
Today · 4.125%
HK$57,908
baseline
▲ 0.50% · 4.625%
HK$61,431
+HK$3,523/mo
Deposit HK$7.97M · loan HK$11.95M · min. income ≈ HK$115,816/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,620
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,246
−HK$1,650/mo
Today · 4.125%
HK$63,896
baseline
▲ 0.50% · 4.625%
HK$67,264
+HK$3,368/mo
Deposit HK$7.97M · loan HK$11.95M · min. income ≈ HK$127,792/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,573
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$65,550
−HK$2,009/mo
Today · 4.125%
HK$67,559
baseline
▲ 0.50% · 4.625%
HK$71,670
+HK$4,111/mo
Deposit HK$5.97M · loan HK$13.94M · min. income ≈ HK$135,118/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,724
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$72,621
−HK$1,924/mo
Today · 4.125%
HK$74,545
baseline
▲ 0.50% · 4.625%
HK$78,474
+HK$3,929/mo
Deposit HK$5.97M · loan HK$13.94M · min. income ≈ HK$149,090/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,736
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$84,279
−HK$2,583/mo
Today · 4.125%
HK$86,862
baseline
▲ 0.50% · 4.625%
HK$92,147
+HK$5,285/mo
Deposit HK$1.99M · loan HK$17.92M · min. income ≈ HK$173,724/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,931
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$93,369
−HK$2,474/mo
Today · 4.125%
HK$95,843
baseline
▲ 0.50% · 4.625%
HK$100,895
+HK$5,052/mo
Deposit HK$1.99M · loan HK$17.92M · min. income ≈ HK$191,686/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,775 · Scale 2, in force from 26 Feb 2026)