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$45,490
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,905
−HK$1,437/mo
Today · 4.125%
HK$48,342
baseline
▲ 0.50% · 4.625%
HK$51,284
+HK$2,942/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$96,684/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$748,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,607
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,964
−HK$1,377/mo
Today · 4.125%
HK$53,341
baseline
▲ 0.50% · 4.625%
HK$56,152
+HK$2,811/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$106,682/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$748,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,587
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$56,285
−HK$1,726/mo
Today · 4.125%
HK$58,011
baseline
▲ 0.50% · 4.625%
HK$61,540
+HK$3,529/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$116,022/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,728
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,357
−HK$1,652/mo
Today · 4.125%
HK$64,009
baseline
▲ 0.50% · 4.625%
HK$67,383
+HK$3,374/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$128,018/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,685
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$65,666
−HK$2,013/mo
Today · 4.125%
HK$67,679
baseline
▲ 0.50% · 4.625%
HK$71,797
+HK$4,118/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$135,358/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$748,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,849
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$72,749
−HK$1,928/mo
Today · 4.125%
HK$74,677
baseline
▲ 0.50% · 4.625%
HK$78,613
+HK$3,936/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$149,354/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$748,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,881
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$84,428
−HK$2,588/mo
Today · 4.125%
HK$87,016
baseline
▲ 0.50% · 4.625%
HK$92,311
+HK$5,295/mo
Deposit HK$1.99M · loan HK$17.95M · min. income ≈ HK$174,032/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,092
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$93,535
−HK$2,478/mo
Today · 4.125%
HK$96,013
baseline
▲ 0.50% · 4.625%
HK$101,074
+HK$5,061/mo
Deposit HK$1.99M · loan HK$17.95M · min. income ≈ HK$192,026/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,099 · Scale 2, in force from 26 Feb 2026)