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$45,387
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,798
−HK$1,435/mo
Today · 4.125%
HK$48,233
baseline
▲ 0.50% · 4.625%
HK$51,168
+HK$2,935/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$96,466/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,492
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,846
−HK$1,374/mo
Today · 4.125%
HK$53,220
baseline
▲ 0.50% · 4.625%
HK$56,025
+HK$2,805/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$106,440/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,464
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,158
−HK$1,721/mo
Today · 4.125%
HK$57,879
baseline
▲ 0.50% · 4.625%
HK$61,401
+HK$3,522/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$115,758/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,591
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,216
−HK$1,648/mo
Today · 4.125%
HK$63,864
baseline
▲ 0.50% · 4.625%
HK$67,231
+HK$3,367/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$127,728/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,541
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$65,518
−HK$2,008/mo
Today · 4.125%
HK$67,526
baseline
▲ 0.50% · 4.625%
HK$71,635
+HK$4,109/mo
Deposit HK$5.97M · loan HK$13.93M · min. income ≈ HK$135,052/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,689
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$72,585
−HK$1,923/mo
Today · 4.125%
HK$74,508
baseline
▲ 0.50% · 4.625%
HK$78,436
+HK$3,928/mo
Deposit HK$5.97M · loan HK$13.93M · min. income ≈ HK$149,016/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,696
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$84,237
−HK$2,582/mo
Today · 4.125%
HK$86,819
baseline
▲ 0.50% · 4.625%
HK$92,102
+HK$5,283/mo
Deposit HK$1.99M · loan HK$17.91M · min. income ≈ HK$173,638/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,886
−HK$4,910/mo
▼ 0.25% · 3.875%
HK$93,324
−HK$2,472/mo
Today · 4.125%
HK$95,796
baseline
▲ 0.50% · 4.625%
HK$100,846
+HK$5,050/mo
Deposit HK$1.99M · loan HK$17.91M · min. income ≈ HK$191,592/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,408 · Scale 2, in force from 26 Feb 2026)