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$45,463
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,877
−HK$1,437/mo
Today · 4.125%
HK$48,314
baseline
▲ 0.50% · 4.625%
HK$51,253
+HK$2,939/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$96,628/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$747,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,577
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,933
−HK$1,376/mo
Today · 4.125%
HK$53,309
baseline
▲ 0.50% · 4.625%
HK$56,119
+HK$2,810/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$106,618/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$747,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,555
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$56,252
−HK$1,724/mo
Today · 4.125%
HK$57,976
baseline
▲ 0.50% · 4.625%
HK$61,504
+HK$3,528/mo
Deposit HK$7.98M · loan HK$11.96M · min. income ≈ HK$115,952/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,692
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,320
−HK$1,651/mo
Today · 4.125%
HK$63,971
baseline
▲ 0.50% · 4.625%
HK$67,343
+HK$3,372/mo
Deposit HK$7.98M · loan HK$11.96M · min. income ≈ HK$127,942/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,648
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$65,628
−HK$2,011/mo
Today · 4.125%
HK$67,639
baseline
▲ 0.50% · 4.625%
HK$71,755
+HK$4,116/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$135,278/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,808
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$72,707
−HK$1,926/mo
Today · 4.125%
HK$74,633
baseline
▲ 0.50% · 4.625%
HK$78,567
+HK$3,934/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$149,266/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,833
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$84,378
−HK$2,587/mo
Today · 4.125%
HK$86,965
baseline
▲ 0.50% · 4.625%
HK$92,256
+HK$5,291/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$173,930/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,038
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$93,480
−HK$2,477/mo
Today · 4.125%
HK$95,957
baseline
▲ 0.50% · 4.625%
HK$101,015
+HK$5,058/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$191,914/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,659 · Scale 2, in force from 26 Feb 2026)