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$45,389
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,801
−HK$1,434/mo
Today · 4.125%
HK$48,235
baseline
▲ 0.50% · 4.625%
HK$51,170
+HK$2,935/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$96,470/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,495
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,849
−HK$1,374/mo
Today · 4.125%
HK$53,223
baseline
▲ 0.50% · 4.625%
HK$56,029
+HK$2,806/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$106,446/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,467
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$56,161
−HK$1,722/mo
Today · 4.125%
HK$57,883
baseline
▲ 0.50% · 4.625%
HK$61,405
+HK$3,522/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$115,766/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,594
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,219
−HK$1,649/mo
Today · 4.125%
HK$63,868
baseline
▲ 0.50% · 4.625%
HK$67,234
+HK$3,366/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$127,736/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,545
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$65,521
−HK$2,009/mo
Today · 4.125%
HK$67,530
baseline
▲ 0.50% · 4.625%
HK$71,639
+HK$4,109/mo
Deposit HK$5.97M · loan HK$13.93M · min. income ≈ HK$135,060/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,693
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$72,589
−HK$1,923/mo
Today · 4.125%
HK$74,512
baseline
▲ 0.50% · 4.625%
HK$78,440
+HK$3,928/mo
Deposit HK$5.97M · loan HK$13.93M · min. income ≈ HK$149,024/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,700
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$84,242
−HK$2,582/mo
Today · 4.125%
HK$86,824
baseline
▲ 0.50% · 4.625%
HK$92,107
+HK$5,283/mo
Deposit HK$1.99M · loan HK$17.91M · min. income ≈ HK$173,648/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,891
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$93,329
−HK$2,473/mo
Today · 4.125%
HK$95,802
baseline
▲ 0.50% · 4.625%
HK$100,851
+HK$5,049/mo
Deposit HK$1.99M · loan HK$17.91M · min. income ≈ HK$191,604/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,449 · Scale 2, in force from 26 Feb 2026)