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$45,464
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,878
−HK$1,437/mo
Today · 4.125%
HK$48,315
baseline
▲ 0.50% · 4.625%
HK$51,255
+HK$2,940/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$96,630/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$747,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,579
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,935
−HK$1,376/mo
Today · 4.125%
HK$53,311
baseline
▲ 0.50% · 4.625%
HK$56,121
+HK$2,810/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$106,622/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$747,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,557
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$56,254
−HK$1,724/mo
Today · 4.125%
HK$57,978
baseline
▲ 0.50% · 4.625%
HK$61,506
+HK$3,528/mo
Deposit HK$7.98M · loan HK$11.96M · min. income ≈ HK$115,956/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,694
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,322
−HK$1,651/mo
Today · 4.125%
HK$63,973
baseline
▲ 0.50% · 4.625%
HK$67,346
+HK$3,373/mo
Deposit HK$7.98M · loan HK$11.96M · min. income ≈ HK$127,946/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,650
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$65,630
−HK$2,011/mo
Today · 4.125%
HK$67,641
baseline
▲ 0.50% · 4.625%
HK$71,757
+HK$4,116/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$135,282/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,810
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$72,709
−HK$1,927/mo
Today · 4.125%
HK$74,636
baseline
▲ 0.50% · 4.625%
HK$78,570
+HK$3,934/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$149,272/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,836
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$84,381
−HK$2,587/mo
Today · 4.125%
HK$86,968
baseline
▲ 0.50% · 4.625%
HK$92,259
+HK$5,291/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$173,936/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,041
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$93,483
−HK$2,477/mo
Today · 4.125%
HK$95,960
baseline
▲ 0.50% · 4.625%
HK$101,018
+HK$5,058/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$191,920/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,684 · Scale 2, in force from 26 Feb 2026)