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$45,451
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,865
−HK$1,436/mo
Today · 4.125%
HK$48,301
baseline
▲ 0.50% · 4.625%
HK$51,240
+HK$2,939/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$96,602/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,564
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,920
−HK$1,376/mo
Today · 4.125%
HK$53,296
baseline
▲ 0.50% · 4.625%
HK$56,105
+HK$2,809/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$106,592/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,541
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,238
−HK$1,723/mo
Today · 4.125%
HK$57,961
baseline
▲ 0.50% · 4.625%
HK$61,488
+HK$3,527/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$115,922/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,677
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,304
−HK$1,651/mo
Today · 4.125%
HK$63,955
baseline
▲ 0.50% · 4.625%
HK$67,326
+HK$3,371/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$127,910/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,631
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$65,611
−HK$2,011/mo
Today · 4.125%
HK$67,622
baseline
▲ 0.50% · 4.625%
HK$71,736
+HK$4,114/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$135,244/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,789
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$72,688
−HK$1,926/mo
Today · 4.125%
HK$74,614
baseline
▲ 0.50% · 4.625%
HK$78,547
+HK$3,933/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$149,228/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,812
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$84,357
−HK$2,585/mo
Today · 4.125%
HK$86,942
baseline
▲ 0.50% · 4.625%
HK$92,232
+HK$5,290/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$173,884/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,015
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$93,456
−HK$2,476/mo
Today · 4.125%
HK$95,932
baseline
▲ 0.50% · 4.625%
HK$100,989
+HK$5,057/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$191,864/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,466 · Scale 2, in force from 26 Feb 2026)