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$45,363
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,774
−HK$1,434/mo
Today · 4.125%
HK$48,208
baseline
▲ 0.50% · 4.625%
HK$51,141
+HK$2,933/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$96,416/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$746,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,466
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,820
−HK$1,373/mo
Today · 4.125%
HK$53,193
baseline
▲ 0.50% · 4.625%
HK$55,996
+HK$2,803/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$106,386/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$746,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,436
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$56,129
−HK$1,720/mo
Today · 4.125%
HK$57,849
baseline
▲ 0.50% · 4.625%
HK$61,369
+HK$3,520/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$115,698/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$746,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,559
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$62,184
−HK$1,647/mo
Today · 4.125%
HK$63,831
baseline
▲ 0.50% · 4.625%
HK$67,196
+HK$3,365/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$127,662/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$746,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,508
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$65,484
−HK$2,007/mo
Today · 4.125%
HK$67,491
baseline
▲ 0.50% · 4.625%
HK$71,598
+HK$4,107/mo
Deposit HK$5.97M · loan HK$13.93M · min. income ≈ HK$134,982/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$746,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,653
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$72,547
−HK$1,923/mo
Today · 4.125%
HK$74,470
baseline
▲ 0.50% · 4.625%
HK$78,395
+HK$3,925/mo
Deposit HK$5.97M · loan HK$13.93M · min. income ≈ HK$148,940/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$746,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,654
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$84,194
−HK$2,580/mo
Today · 4.125%
HK$86,774
baseline
▲ 0.50% · 4.625%
HK$92,054
+HK$5,280/mo
Deposit HK$1.99M · loan HK$17.90M · min. income ≈ HK$173,548/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,839
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$93,275
−HK$2,472/mo
Today · 4.125%
HK$95,747
baseline
▲ 0.50% · 4.625%
HK$100,794
+HK$5,047/mo
Deposit HK$1.99M · loan HK$17.90M · min. income ≈ HK$191,494/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,022 · Scale 2, in force from 26 Feb 2026)