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$45,360
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,771
−HK$1,433/mo
Today · 4.125%
HK$48,204
baseline
▲ 0.50% · 4.625%
HK$51,137
+HK$2,933/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$96,408/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,462
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,815
−HK$1,373/mo
Today · 4.125%
HK$53,188
baseline
▲ 0.50% · 4.625%
HK$55,992
+HK$2,804/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$106,376/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,431
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$56,125
−HK$1,720/mo
Today · 4.125%
HK$57,845
baseline
▲ 0.50% · 4.625%
HK$61,365
+HK$3,520/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$115,690/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,554
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$62,179
−HK$1,647/mo
Today · 4.125%
HK$63,826
baseline
▲ 0.50% · 4.625%
HK$67,190
+HK$3,364/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$127,652/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,503
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$65,479
−HK$2,007/mo
Today · 4.125%
HK$67,486
baseline
▲ 0.50% · 4.625%
HK$71,592
+HK$4,106/mo
Deposit HK$5.97M · loan HK$13.92M · min. income ≈ HK$134,972/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,647
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$72,542
−HK$1,922/mo
Today · 4.125%
HK$74,464
baseline
▲ 0.50% · 4.625%
HK$78,389
+HK$3,925/mo
Deposit HK$5.97M · loan HK$13.92M · min. income ≈ HK$148,928/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,647
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$84,187
−HK$2,580/mo
Today · 4.125%
HK$86,767
baseline
▲ 0.50% · 4.625%
HK$92,047
+HK$5,280/mo
Deposit HK$1.99M · loan HK$17.90M · min. income ≈ HK$173,534/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$745,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,832
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$93,268
−HK$2,471/mo
Today · 4.125%
HK$95,739
baseline
▲ 0.50% · 4.625%
HK$100,786
+HK$5,047/mo
Deposit HK$1.99M · loan HK$17.90M · min. income ≈ HK$191,478/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$745,962 · Scale 2, in force from 26 Feb 2026)