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$45,396
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,808
−HK$1,434/mo
Today · 4.125%
HK$48,242
baseline
▲ 0.50% · 4.625%
HK$51,178
+HK$2,936/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$96,484/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,502
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,857
−HK$1,374/mo
Today · 4.125%
HK$53,231
baseline
▲ 0.50% · 4.625%
HK$56,036
+HK$2,805/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$106,462/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,475
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$56,169
−HK$1,722/mo
Today · 4.125%
HK$57,891
baseline
▲ 0.50% · 4.625%
HK$61,413
+HK$3,522/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$115,782/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,603
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,228
−HK$1,649/mo
Today · 4.125%
HK$63,877
baseline
▲ 0.50% · 4.625%
HK$67,244
+HK$3,367/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$127,754/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,554
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$65,531
−HK$2,008/mo
Today · 4.125%
HK$67,539
baseline
▲ 0.50% · 4.625%
HK$71,649
+HK$4,110/mo
Deposit HK$5.97M · loan HK$13.94M · min. income ≈ HK$135,078/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,703
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$72,599
−HK$1,924/mo
Today · 4.125%
HK$74,523
baseline
▲ 0.50% · 4.625%
HK$78,451
+HK$3,928/mo
Deposit HK$5.97M · loan HK$13.94M · min. income ≈ HK$149,046/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,712
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$84,254
−HK$2,582/mo
Today · 4.125%
HK$86,836
baseline
▲ 0.50% · 4.625%
HK$92,120
+HK$5,284/mo
Deposit HK$1.99M · loan HK$17.92M · min. income ≈ HK$173,672/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,904
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$93,342
−HK$2,473/mo
Today · 4.125%
HK$95,815
baseline
▲ 0.50% · 4.625%
HK$100,866
+HK$5,051/mo
Deposit HK$1.99M · loan HK$17.92M · min. income ≈ HK$191,630/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,554 · Scale 2, in force from 26 Feb 2026)