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$45,487
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,902
−HK$1,438/mo
Today · 4.125%
HK$48,340
baseline
▲ 0.50% · 4.625%
HK$51,281
+HK$2,941/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$96,680/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$748,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,604
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,961
−HK$1,377/mo
Today · 4.125%
HK$53,338
baseline
▲ 0.50% · 4.625%
HK$56,149
+HK$2,811/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$106,676/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$748,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,584
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$56,282
−HK$1,725/mo
Today · 4.125%
HK$58,007
baseline
▲ 0.50% · 4.625%
HK$61,537
+HK$3,530/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$116,014/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,725
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$62,353
−HK$1,652/mo
Today · 4.125%
HK$64,005
baseline
▲ 0.50% · 4.625%
HK$67,379
+HK$3,374/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$128,010/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,682
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$65,663
−HK$2,012/mo
Today · 4.125%
HK$67,675
baseline
▲ 0.50% · 4.625%
HK$71,793
+HK$4,118/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$135,350/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$748,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,845
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$72,746
−HK$1,927/mo
Today · 4.125%
HK$74,673
baseline
▲ 0.50% · 4.625%
HK$78,609
+HK$3,936/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$149,346/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$748,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,877
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$84,424
−HK$2,587/mo
Today · 4.125%
HK$87,011
baseline
▲ 0.50% · 4.625%
HK$92,306
+HK$5,295/mo
Deposit HK$1.99M · loan HK$17.95M · min. income ≈ HK$174,022/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,087
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$93,530
−HK$2,478/mo
Today · 4.125%
HK$96,008
baseline
▲ 0.50% · 4.625%
HK$101,069
+HK$5,061/mo
Deposit HK$1.99M · loan HK$17.95M · min. income ≈ HK$192,016/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,059 · Scale 2, in force from 26 Feb 2026)