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$45,443
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,857
−HK$1,436/mo
Today · 4.125%
HK$48,293
baseline
▲ 0.50% · 4.625%
HK$51,232
+HK$2,939/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$96,586/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,555
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,911
−HK$1,376/mo
Today · 4.125%
HK$53,287
baseline
▲ 0.50% · 4.625%
HK$56,095
+HK$2,808/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$106,574/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,532
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,228
−HK$1,724/mo
Today · 4.125%
HK$57,952
baseline
▲ 0.50% · 4.625%
HK$61,478
+HK$3,526/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$115,904/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,666
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,293
−HK$1,651/mo
Today · 4.125%
HK$63,944
baseline
▲ 0.50% · 4.625%
HK$67,314
+HK$3,370/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$127,888/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,621
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$65,600
−HK$2,010/mo
Today · 4.125%
HK$67,610
baseline
▲ 0.50% · 4.625%
HK$71,724
+HK$4,114/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$135,220/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,777
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$72,676
−HK$1,925/mo
Today · 4.125%
HK$74,601
baseline
▲ 0.50% · 4.625%
HK$78,534
+HK$3,933/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$149,202/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,798
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$84,342
−HK$2,585/mo
Today · 4.125%
HK$86,927
baseline
▲ 0.50% · 4.625%
HK$92,217
+HK$5,290/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$173,854/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,999
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$93,440
−HK$2,476/mo
Today · 4.125%
HK$95,916
baseline
▲ 0.50% · 4.625%
HK$100,972
+HK$5,056/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$191,832/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,339 · Scale 2, in force from 26 Feb 2026)