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$45,432
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$46,846
−HK$1,435/mo
Today · 4.125%
HK$48,281
baseline
▲ 0.50% · 4.625%
HK$51,219
+HK$2,938/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$96,562/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,543
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,899
−HK$1,375/mo
Today · 4.125%
HK$53,274
baseline
▲ 0.50% · 4.625%
HK$56,082
+HK$2,808/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$106,548/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,519
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,215
−HK$1,723/mo
Today · 4.125%
HK$57,938
baseline
▲ 0.50% · 4.625%
HK$61,463
+HK$3,525/mo
Deposit HK$7.97M · loan HK$11.95M · min. income ≈ HK$115,876/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,652
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,278
−HK$1,651/mo
Today · 4.125%
HK$63,929
baseline
▲ 0.50% · 4.625%
HK$67,298
+HK$3,369/mo
Deposit HK$7.97M · loan HK$11.95M · min. income ≈ HK$127,858/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,605
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$65,584
−HK$2,010/mo
Today · 4.125%
HK$67,594
baseline
▲ 0.50% · 4.625%
HK$71,707
+HK$4,113/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$135,188/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$747,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,760
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$72,658
−HK$1,925/mo
Today · 4.125%
HK$74,583
baseline
▲ 0.50% · 4.625%
HK$78,515
+HK$3,932/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$149,166/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$747,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,778
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$84,322
−HK$2,585/mo
Today · 4.125%
HK$86,907
baseline
▲ 0.50% · 4.625%
HK$92,195
+HK$5,288/mo
Deposit HK$1.99M · loan HK$17.93M · min. income ≈ HK$173,814/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,978
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$93,418
−HK$2,475/mo
Today · 4.125%
HK$95,893
baseline
▲ 0.50% · 4.625%
HK$100,948
+HK$5,055/mo
Deposit HK$1.99M · loan HK$17.93M · min. income ≈ HK$191,786/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,161 · Scale 2, in force from 26 Feb 2026)