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$45,255
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,663
−HK$1,430/mo
Today · 4.125%
HK$48,093
baseline
▲ 0.50% · 4.625%
HK$51,019
+HK$2,926/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$96,186/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,346
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,696
−HK$1,370/mo
Today · 4.125%
HK$53,066
baseline
▲ 0.50% · 4.625%
HK$55,863
+HK$2,797/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$106,132/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,306
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,995
−HK$1,716/mo
Today · 4.125%
HK$57,711
baseline
▲ 0.50% · 4.625%
HK$61,223
+HK$3,512/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$115,422/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,415
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,035
−HK$1,644/mo
Today · 4.125%
HK$63,679
baseline
▲ 0.50% · 4.625%
HK$67,035
+HK$3,356/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$127,358/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,357
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$65,328
−HK$2,002/mo
Today · 4.125%
HK$67,330
baseline
▲ 0.50% · 4.625%
HK$71,427
+HK$4,097/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$134,660/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,484
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$72,374
−HK$1,918/mo
Today · 4.125%
HK$74,292
baseline
▲ 0.50% · 4.625%
HK$78,208
+HK$3,916/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$148,584/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,459
−HK$5,108/mo
▼ 0.25% · 3.875%
HK$83,993
−HK$2,574/mo
Today · 4.125%
HK$86,567
baseline
▲ 0.50% · 4.625%
HK$91,835
+HK$5,268/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$173,134/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,622
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$93,053
−HK$2,465/mo
Today · 4.125%
HK$95,518
baseline
▲ 0.50% · 4.625%
HK$100,553
+HK$5,035/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$191,036/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,242 · Scale 2, in force from 26 Feb 2026)