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$45,359
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,770
−HK$1,433/mo
Today · 4.125%
HK$48,203
baseline
▲ 0.50% · 4.625%
HK$51,136
+HK$2,933/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$96,406/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,461
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,815
−HK$1,373/mo
Today · 4.125%
HK$53,188
baseline
▲ 0.50% · 4.625%
HK$55,991
+HK$2,803/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$745,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,431
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$56,124
−HK$1,720/mo
Today · 4.125%
HK$57,844
baseline
▲ 0.50% · 4.625%
HK$61,364
+HK$3,520/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$115,688/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,554
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,178
−HK$1,647/mo
Today · 4.125%
HK$63,825
baseline
▲ 0.50% · 4.625%
HK$67,190
+HK$3,365/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$127,650/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,503
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$65,478
−HK$2,007/mo
Today · 4.125%
HK$67,485
baseline
▲ 0.50% · 4.625%
HK$71,591
+HK$4,106/mo
Deposit HK$5.97M · loan HK$13.92M · min. income ≈ HK$134,970/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,646
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$72,541
−HK$1,922/mo
Today · 4.125%
HK$74,463
baseline
▲ 0.50% · 4.625%
HK$78,388
+HK$3,925/mo
Deposit HK$5.97M · loan HK$13.92M · min. income ≈ HK$148,926/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,646
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$84,186
−HK$2,580/mo
Today · 4.125%
HK$86,766
baseline
▲ 0.50% · 4.625%
HK$92,046
+HK$5,280/mo
Deposit HK$1.99M · loan HK$17.90M · min. income ≈ HK$173,532/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$745,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,831
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$93,267
−HK$2,471/mo
Today · 4.125%
HK$95,738
baseline
▲ 0.50% · 4.625%
HK$100,784
+HK$5,046/mo
Deposit HK$1.99M · loan HK$17.90M · min. income ≈ HK$191,476/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$745,953 · Scale 2, in force from 26 Feb 2026)