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$45,454
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,868
−HK$1,437/mo
Today · 4.125%
HK$48,305
baseline
▲ 0.50% · 4.625%
HK$51,244
+HK$2,939/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$96,610/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,567
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,923
−HK$1,376/mo
Today · 4.125%
HK$53,299
baseline
▲ 0.50% · 4.625%
HK$56,109
+HK$2,810/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$106,598/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,545
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,242
−HK$1,723/mo
Today · 4.125%
HK$57,965
baseline
▲ 0.50% · 4.625%
HK$61,492
+HK$3,527/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$115,930/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,681
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,308
−HK$1,651/mo
Today · 4.125%
HK$63,959
baseline
▲ 0.50% · 4.625%
HK$67,331
+HK$3,372/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$127,918/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,636
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$65,615
−HK$2,011/mo
Today · 4.125%
HK$67,626
baseline
▲ 0.50% · 4.625%
HK$71,741
+HK$4,115/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$135,252/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,794
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$72,693
−HK$1,926/mo
Today · 4.125%
HK$74,619
baseline
▲ 0.50% · 4.625%
HK$78,552
+HK$3,933/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$149,238/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,817
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$84,362
−HK$2,586/mo
Today · 4.125%
HK$86,948
baseline
▲ 0.50% · 4.625%
HK$92,239
+HK$5,291/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$173,896/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,021
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$93,462
−HK$2,477/mo
Today · 4.125%
HK$95,939
baseline
▲ 0.50% · 4.625%
HK$100,996
+HK$5,057/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$191,878/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,518 · Scale 2, in force from 26 Feb 2026)