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$45,398
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,810
−HK$1,434/mo
Today · 4.125%
HK$48,244
baseline
▲ 0.50% · 4.625%
HK$51,180
+HK$2,936/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$96,488/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,504
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,859
−HK$1,374/mo
Today · 4.125%
HK$53,233
baseline
▲ 0.50% · 4.625%
HK$56,039
+HK$2,806/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$106,466/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,477
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$56,172
−HK$1,721/mo
Today · 4.125%
HK$57,893
baseline
▲ 0.50% · 4.625%
HK$61,416
+HK$3,523/mo
Deposit HK$7.96M · loan HK$11.95M · min. income ≈ HK$115,786/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,605
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,231
−HK$1,648/mo
Today · 4.125%
HK$63,879
baseline
▲ 0.50% · 4.625%
HK$67,247
+HK$3,368/mo
Deposit HK$7.96M · loan HK$11.95M · min. income ≈ HK$127,758/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,557
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$65,533
−HK$2,009/mo
Today · 4.125%
HK$67,542
baseline
▲ 0.50% · 4.625%
HK$71,652
+HK$4,110/mo
Deposit HK$5.97M · loan HK$13.94M · min. income ≈ HK$135,084/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,706
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$72,602
−HK$1,924/mo
Today · 4.125%
HK$74,526
baseline
▲ 0.50% · 4.625%
HK$78,454
+HK$3,928/mo
Deposit HK$5.97M · loan HK$13.94M · min. income ≈ HK$149,052/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,716
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$84,257
−HK$2,583/mo
Today · 4.125%
HK$86,840
baseline
▲ 0.50% · 4.625%
HK$92,124
+HK$5,284/mo
Deposit HK$1.99M · loan HK$17.92M · min. income ≈ HK$173,680/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,908
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$93,346
−HK$2,473/mo
Today · 4.125%
HK$95,819
baseline
▲ 0.50% · 4.625%
HK$100,870
+HK$5,051/mo
Deposit HK$1.99M · loan HK$17.92M · min. income ≈ HK$191,638/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,586 · Scale 2, in force from 26 Feb 2026)