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$45,381
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,793
−HK$1,434/mo
Today · 4.125%
HK$48,227
baseline
▲ 0.50% · 4.625%
HK$51,161
+HK$2,934/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$96,454/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,486
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,840
−HK$1,374/mo
Today · 4.125%
HK$53,214
baseline
▲ 0.50% · 4.625%
HK$56,019
+HK$2,805/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$106,428/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,457
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,151
−HK$1,721/mo
Today · 4.125%
HK$57,872
baseline
▲ 0.50% · 4.625%
HK$61,394
+HK$3,522/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$115,744/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,583
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,208
−HK$1,648/mo
Today · 4.125%
HK$63,856
baseline
▲ 0.50% · 4.625%
HK$67,222
+HK$3,366/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$127,712/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,534
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$65,510
−HK$2,008/mo
Today · 4.125%
HK$67,518
baseline
▲ 0.50% · 4.625%
HK$71,626
+HK$4,108/mo
Deposit HK$5.97M · loan HK$13.93M · min. income ≈ HK$135,036/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,681
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$72,576
−HK$1,923/mo
Today · 4.125%
HK$74,499
baseline
▲ 0.50% · 4.625%
HK$78,426
+HK$3,927/mo
Deposit HK$5.97M · loan HK$13.93M · min. income ≈ HK$148,998/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,686
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$84,227
−HK$2,582/mo
Today · 4.125%
HK$86,809
baseline
▲ 0.50% · 4.625%
HK$92,091
+HK$5,282/mo
Deposit HK$1.99M · loan HK$17.91M · min. income ≈ HK$173,618/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,875
−HK$4,910/mo
▼ 0.25% · 3.875%
HK$93,312
−HK$2,473/mo
Today · 4.125%
HK$95,785
baseline
▲ 0.50% · 4.625%
HK$100,834
+HK$5,049/mo
Deposit HK$1.99M · loan HK$17.91M · min. income ≈ HK$191,570/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,318 · Scale 2, in force from 26 Feb 2026)