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$45,474
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,888
−HK$1,438/mo
Today · 4.125%
HK$48,326
baseline
▲ 0.50% · 4.625%
HK$51,266
+HK$2,940/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$96,652/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$747,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,589
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,946
−HK$1,377/mo
Today · 4.125%
HK$53,323
baseline
▲ 0.50% · 4.625%
HK$56,133
+HK$2,810/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$106,646/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$747,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,569
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$56,266
−HK$1,725/mo
Today · 4.125%
HK$57,991
baseline
▲ 0.50% · 4.625%
HK$61,519
+HK$3,528/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$115,982/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,707
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$62,335
−HK$1,652/mo
Today · 4.125%
HK$63,987
baseline
▲ 0.50% · 4.625%
HK$67,360
+HK$3,373/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$127,974/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,664
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$65,644
−HK$2,012/mo
Today · 4.125%
HK$67,656
baseline
▲ 0.50% · 4.625%
HK$71,773
+HK$4,117/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$135,312/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,825
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$72,725
−HK$1,927/mo
Today · 4.125%
HK$74,652
baseline
▲ 0.50% · 4.625%
HK$78,587
+HK$3,935/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$149,304/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,853
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$84,399
−HK$2,587/mo
Today · 4.125%
HK$86,986
baseline
▲ 0.50% · 4.625%
HK$92,279
+HK$5,293/mo
Deposit HK$1.99M · loan HK$17.95M · min. income ≈ HK$173,972/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,061
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$93,503
−HK$2,478/mo
Today · 4.125%
HK$95,981
baseline
▲ 0.50% · 4.625%
HK$101,040
+HK$5,059/mo
Deposit HK$1.99M · loan HK$17.95M · min. income ≈ HK$191,962/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,844 · Scale 2, in force from 26 Feb 2026)