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$45,402
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$46,814
−HK$1,435/mo
Today · 4.125%
HK$48,249
baseline
▲ 0.50% · 4.625%
HK$51,185
+HK$2,936/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$96,498/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,509
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,864
−HK$1,374/mo
Today · 4.125%
HK$53,238
baseline
▲ 0.50% · 4.625%
HK$56,044
+HK$2,806/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$106,476/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,482
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$56,177
−HK$1,722/mo
Today · 4.125%
HK$57,899
baseline
▲ 0.50% · 4.625%
HK$61,422
+HK$3,523/mo
Deposit HK$7.96M · loan HK$11.95M · min. income ≈ HK$115,798/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,611
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,237
−HK$1,649/mo
Today · 4.125%
HK$63,886
baseline
▲ 0.50% · 4.625%
HK$67,253
+HK$3,367/mo
Deposit HK$7.96M · loan HK$11.95M · min. income ≈ HK$127,772/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,563
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$65,540
−HK$2,009/mo
Today · 4.125%
HK$67,549
baseline
▲ 0.50% · 4.625%
HK$71,659
+HK$4,110/mo
Deposit HK$5.97M · loan HK$13.94M · min. income ≈ HK$135,098/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,713
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$72,609
−HK$1,924/mo
Today · 4.125%
HK$74,533
baseline
▲ 0.50% · 4.625%
HK$78,462
+HK$3,929/mo
Deposit HK$5.97M · loan HK$13.94M · min. income ≈ HK$149,066/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,723
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$84,265
−HK$2,583/mo
Today · 4.125%
HK$86,848
baseline
▲ 0.50% · 4.625%
HK$92,133
+HK$5,285/mo
Deposit HK$1.99M · loan HK$17.92M · min. income ≈ HK$173,696/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,916
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$93,355
−HK$2,473/mo
Today · 4.125%
HK$95,828
baseline
▲ 0.50% · 4.625%
HK$100,880
+HK$5,052/mo
Deposit HK$1.99M · loan HK$17.92M · min. income ≈ HK$191,656/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,658 · Scale 2, in force from 26 Feb 2026)