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$45,375
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,786
−HK$1,434/mo
Today · 4.125%
HK$48,220
baseline
▲ 0.50% · 4.625%
HK$51,154
+HK$2,934/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$96,440/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,479
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,833
−HK$1,373/mo
Today · 4.125%
HK$53,206
baseline
▲ 0.50% · 4.625%
HK$56,011
+HK$2,805/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$106,412/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,450
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$56,144
−HK$1,720/mo
Today · 4.125%
HK$57,864
baseline
▲ 0.50% · 4.625%
HK$61,385
+HK$3,521/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$115,728/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,575
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,199
−HK$1,649/mo
Today · 4.125%
HK$63,848
baseline
▲ 0.50% · 4.625%
HK$67,213
+HK$3,365/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$127,696/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,525
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$65,501
−HK$2,007/mo
Today · 4.125%
HK$67,508
baseline
▲ 0.50% · 4.625%
HK$71,616
+HK$4,108/mo
Deposit HK$5.97M · loan HK$13.93M · min. income ≈ HK$135,016/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,671
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$72,566
−HK$1,923/mo
Today · 4.125%
HK$74,489
baseline
▲ 0.50% · 4.625%
HK$78,415
+HK$3,926/mo
Deposit HK$5.97M · loan HK$13.93M · min. income ≈ HK$148,978/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,675
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$84,215
−HK$2,581/mo
Today · 4.125%
HK$86,796
baseline
▲ 0.50% · 4.625%
HK$92,078
+HK$5,282/mo
Deposit HK$1.99M · loan HK$17.91M · min. income ≈ HK$173,592/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,862
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$93,299
−HK$2,472/mo
Today · 4.125%
HK$95,771
baseline
▲ 0.50% · 4.625%
HK$100,820
+HK$5,049/mo
Deposit HK$1.99M · loan HK$17.91M · min. income ≈ HK$191,542/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,214 · Scale 2, in force from 26 Feb 2026)