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$45,484
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,899
−HK$1,437/mo
Today · 4.125%
HK$48,336
baseline
▲ 0.50% · 4.625%
HK$51,277
+HK$2,941/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$96,672/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$748,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,600
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,958
−HK$1,376/mo
Today · 4.125%
HK$53,334
baseline
▲ 0.50% · 4.625%
HK$56,146
+HK$2,812/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$106,668/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$748,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,581
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$56,279
−HK$1,724/mo
Today · 4.125%
HK$58,003
baseline
▲ 0.50% · 4.625%
HK$61,533
+HK$3,530/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$116,006/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,721
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$62,349
−HK$1,652/mo
Today · 4.125%
HK$64,001
baseline
▲ 0.50% · 4.625%
HK$67,375
+HK$3,374/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$128,002/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,678
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$65,658
−HK$2,013/mo
Today · 4.125%
HK$67,671
baseline
▲ 0.50% · 4.625%
HK$71,788
+HK$4,117/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$135,342/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$748,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,841
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$72,741
−HK$1,927/mo
Today · 4.125%
HK$74,668
baseline
▲ 0.50% · 4.625%
HK$78,604
+HK$3,936/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$149,336/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$748,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,871
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$84,418
−HK$2,587/mo
Today · 4.125%
HK$87,005
baseline
▲ 0.50% · 4.625%
HK$92,299
+HK$5,294/mo
Deposit HK$1.99M · loan HK$17.95M · min. income ≈ HK$174,010/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,081
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$93,524
−HK$2,478/mo
Today · 4.125%
HK$96,002
baseline
▲ 0.50% · 4.625%
HK$101,062
+HK$5,060/mo
Deposit HK$1.99M · loan HK$17.95M · min. income ≈ HK$192,004/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,008 · Scale 2, in force from 26 Feb 2026)