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$45,362
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,773
−HK$1,434/mo
Today · 4.125%
HK$48,207
baseline
▲ 0.50% · 4.625%
HK$51,140
+HK$2,933/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$96,414/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$746,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,465
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,818
−HK$1,373/mo
Today · 4.125%
HK$53,191
baseline
▲ 0.50% · 4.625%
HK$55,995
+HK$2,804/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$106,382/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$746,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,435
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$56,128
−HK$1,720/mo
Today · 4.125%
HK$57,848
baseline
▲ 0.50% · 4.625%
HK$61,368
+HK$3,520/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$115,696/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$746,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,558
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$62,182
−HK$1,648/mo
Today · 4.125%
HK$63,830
baseline
▲ 0.50% · 4.625%
HK$67,194
+HK$3,364/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$127,660/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$746,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,507
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$65,482
−HK$2,007/mo
Today · 4.125%
HK$67,489
baseline
▲ 0.50% · 4.625%
HK$71,596
+HK$4,107/mo
Deposit HK$5.97M · loan HK$13.93M · min. income ≈ HK$134,978/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$746,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,651
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$72,546
−HK$1,922/mo
Today · 4.125%
HK$74,468
baseline
▲ 0.50% · 4.625%
HK$78,393
+HK$3,925/mo
Deposit HK$5.97M · loan HK$13.93M · min. income ≈ HK$148,936/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$746,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,652
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$84,192
−HK$2,580/mo
Today · 4.125%
HK$86,772
baseline
▲ 0.50% · 4.625%
HK$92,052
+HK$5,280/mo
Deposit HK$1.99M · loan HK$17.90M · min. income ≈ HK$173,544/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,837
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$93,273
−HK$2,472/mo
Today · 4.125%
HK$95,745
baseline
▲ 0.50% · 4.625%
HK$100,791
+HK$5,046/mo
Deposit HK$1.99M · loan HK$17.90M · min. income ≈ HK$191,490/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,004 · Scale 2, in force from 26 Feb 2026)