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$45,461
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,875
−HK$1,436/mo
Today · 4.125%
HK$48,311
baseline
▲ 0.50% · 4.625%
HK$51,251
+HK$2,940/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$96,622/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$747,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,574
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,931
−HK$1,376/mo
Today · 4.125%
HK$53,307
baseline
▲ 0.50% · 4.625%
HK$56,117
+HK$2,810/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$106,614/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$747,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,553
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$56,250
−HK$1,724/mo
Today · 4.125%
HK$57,974
baseline
▲ 0.50% · 4.625%
HK$61,501
+HK$3,527/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$115,948/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,689
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,317
−HK$1,651/mo
Today · 4.125%
HK$63,968
baseline
▲ 0.50% · 4.625%
HK$67,340
+HK$3,372/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$127,936/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,645
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$65,624
−HK$2,012/mo
Today · 4.125%
HK$67,636
baseline
▲ 0.50% · 4.625%
HK$71,751
+HK$4,115/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$135,272/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,804
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$72,703
−HK$1,926/mo
Today · 4.125%
HK$74,629
baseline
▲ 0.50% · 4.625%
HK$78,563
+HK$3,934/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$149,258/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,829
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$84,374
−HK$2,586/mo
Today · 4.125%
HK$86,960
baseline
▲ 0.50% · 4.625%
HK$92,252
+HK$5,292/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$173,920/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,034
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$93,475
−HK$2,477/mo
Today · 4.125%
HK$95,952
baseline
▲ 0.50% · 4.625%
HK$101,010
+HK$5,058/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$191,904/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,623 · Scale 2, in force from 26 Feb 2026)