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$45,385
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,797
−HK$1,434/mo
Today · 4.125%
HK$48,231
baseline
▲ 0.50% · 4.625%
HK$51,166
+HK$2,935/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$96,462/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,491
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,845
−HK$1,374/mo
Today · 4.125%
HK$53,219
baseline
▲ 0.50% · 4.625%
HK$56,024
+HK$2,805/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$106,438/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,462
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$56,157
−HK$1,721/mo
Today · 4.125%
HK$57,878
baseline
▲ 0.50% · 4.625%
HK$61,399
+HK$3,521/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$115,756/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,589
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,214
−HK$1,648/mo
Today · 4.125%
HK$63,862
baseline
▲ 0.50% · 4.625%
HK$67,229
+HK$3,367/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$127,724/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,540
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$65,516
−HK$2,008/mo
Today · 4.125%
HK$67,524
baseline
▲ 0.50% · 4.625%
HK$71,633
+HK$4,109/mo
Deposit HK$5.97M · loan HK$13.93M · min. income ≈ HK$135,048/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,687
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$72,583
−HK$1,923/mo
Today · 4.125%
HK$74,506
baseline
▲ 0.50% · 4.625%
HK$78,433
+HK$3,927/mo
Deposit HK$5.97M · loan HK$13.93M · min. income ≈ HK$149,012/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,694
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$84,235
−HK$2,582/mo
Today · 4.125%
HK$86,817
baseline
▲ 0.50% · 4.625%
HK$92,099
+HK$5,282/mo
Deposit HK$1.99M · loan HK$17.91M · min. income ≈ HK$173,634/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,883
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$93,321
−HK$2,473/mo
Today · 4.125%
HK$95,794
baseline
▲ 0.50% · 4.625%
HK$100,843
+HK$5,049/mo
Deposit HK$1.99M · loan HK$17.91M · min. income ≈ HK$191,588/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,387 · Scale 2, in force from 26 Feb 2026)