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$45,358
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,769
−HK$1,433/mo
Today · 4.125%
HK$48,202
baseline
▲ 0.50% · 4.625%
HK$51,135
+HK$2,933/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$96,404/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,460
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,814
−HK$1,373/mo
Today · 4.125%
HK$53,187
baseline
▲ 0.50% · 4.625%
HK$55,990
+HK$2,803/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$106,374/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,430
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$56,123
−HK$1,720/mo
Today · 4.125%
HK$57,843
baseline
▲ 0.50% · 4.625%
HK$61,363
+HK$3,520/mo
Deposit HK$7.96M · loan HK$11.93M · min. income ≈ HK$115,686/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,553
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,176
−HK$1,648/mo
Today · 4.125%
HK$63,824
baseline
▲ 0.50% · 4.625%
HK$67,188
+HK$3,364/mo
Deposit HK$7.96M · loan HK$11.93M · min. income ≈ HK$127,648/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,501
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$65,477
−HK$2,006/mo
Today · 4.125%
HK$67,483
baseline
▲ 0.50% · 4.625%
HK$71,590
+HK$4,107/mo
Deposit HK$5.97M · loan HK$13.92M · min. income ≈ HK$134,966/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,645
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$72,539
−HK$1,922/mo
Today · 4.125%
HK$74,461
baseline
▲ 0.50% · 4.625%
HK$78,386
+HK$3,925/mo
Deposit HK$5.97M · loan HK$13.92M · min. income ≈ HK$148,922/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,645
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$84,184
−HK$2,580/mo
Today · 4.125%
HK$86,764
baseline
▲ 0.50% · 4.625%
HK$92,044
+HK$5,280/mo
Deposit HK$1.99M · loan HK$17.90M · min. income ≈ HK$173,528/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$745,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,829
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$93,265
−HK$2,471/mo
Today · 4.125%
HK$95,736
baseline
▲ 0.50% · 4.625%
HK$100,782
+HK$5,046/mo
Deposit HK$1.99M · loan HK$17.90M · min. income ≈ HK$191,472/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$745,938 · Scale 2, in force from 26 Feb 2026)