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$45,420
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,833
−HK$1,435/mo
Today · 4.125%
HK$48,268
baseline
▲ 0.50% · 4.625%
HK$51,205
+HK$2,937/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$96,536/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$746,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,529
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,884
−HK$1,375/mo
Today · 4.125%
HK$53,259
baseline
▲ 0.50% · 4.625%
HK$56,066
+HK$2,807/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$106,518/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$746,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,504
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,199
−HK$1,723/mo
Today · 4.125%
HK$57,922
baseline
▲ 0.50% · 4.625%
HK$61,446
+HK$3,524/mo
Deposit HK$7.97M · loan HK$11.95M · min. income ≈ HK$115,844/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,635
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,261
−HK$1,650/mo
Today · 4.125%
HK$63,911
baseline
▲ 0.50% · 4.625%
HK$67,280
+HK$3,369/mo
Deposit HK$7.97M · loan HK$11.95M · min. income ≈ HK$127,822/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,588
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$65,566
−HK$2,009/mo
Today · 4.125%
HK$67,575
baseline
▲ 0.50% · 4.625%
HK$71,687
+HK$4,112/mo
Deposit HK$5.98M · loan HK$13.94M · min. income ≈ HK$135,150/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,741
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$72,638
−HK$1,925/mo
Today · 4.125%
HK$74,563
baseline
▲ 0.50% · 4.625%
HK$78,493
+HK$3,930/mo
Deposit HK$5.98M · loan HK$13.94M · min. income ≈ HK$149,126/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,756
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$84,299
−HK$2,583/mo
Today · 4.125%
HK$86,882
baseline
▲ 0.50% · 4.625%
HK$92,169
+HK$5,287/mo
Deposit HK$1.99M · loan HK$17.93M · min. income ≈ HK$173,764/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,952
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$93,392
−HK$2,474/mo
Today · 4.125%
HK$95,866
baseline
▲ 0.50% · 4.625%
HK$100,919
+HK$5,053/mo
Deposit HK$1.99M · loan HK$17.93M · min. income ≈ HK$191,732/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,952 · Scale 2, in force from 26 Feb 2026)