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$2,853/mo
▼ 0.25% · 3.875%
HK$46,905
−HK$1,438/mo
Today · 4.125%
HK$48,343
baseline
▲ 0.50% · 4.625%
HK$51,285
+HK$2,942/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$96,686/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$748,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,608
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,965
−HK$1,377/mo
Today · 4.125%
HK$53,342
baseline
▲ 0.50% · 4.625%
HK$56,153
+HK$2,811/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$106,684/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$748,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,588
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$56,286
−HK$1,726/mo
Today · 4.125%
HK$58,012
baseline
▲ 0.50% · 4.625%
HK$61,541
+HK$3,529/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$116,024/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,729
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,358
−HK$1,652/mo
Today · 4.125%
HK$64,010
baseline
▲ 0.50% · 4.625%
HK$67,384
+HK$3,374/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$128,020/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,686
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$65,667
−HK$2,013/mo
Today · 4.125%
HK$67,680
baseline
▲ 0.50% · 4.625%
HK$71,798
+HK$4,118/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$135,360/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$748,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,851
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$72,751
−HK$1,927/mo
Today · 4.125%
HK$74,678
baseline
▲ 0.50% · 4.625%
HK$78,615
+HK$3,937/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$149,356/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$748,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,883
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$84,430
−HK$2,587/mo
Today · 4.125%
HK$87,017
baseline
▲ 0.50% · 4.625%
HK$92,312
+HK$5,295/mo
Deposit HK$1.99M · loan HK$17.95M · min. income ≈ HK$174,034/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,094
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$93,537
−HK$2,478/mo
Today · 4.125%
HK$96,015
baseline
▲ 0.50% · 4.625%
HK$101,076
+HK$5,061/mo
Deposit HK$1.99M · loan HK$17.95M · min. income ≈ HK$192,030/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,113 · Scale 2, in force from 26 Feb 2026)