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$45,228
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,634
−HK$1,430/mo
Today · 4.125%
HK$48,064
baseline
▲ 0.50% · 4.625%
HK$50,988
+HK$2,924/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$96,128/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,315
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,665
−HK$1,369/mo
Today · 4.125%
HK$53,034
baseline
▲ 0.50% · 4.625%
HK$55,829
+HK$2,795/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$106,068/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,273
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,961
−HK$1,716/mo
Today · 4.125%
HK$57,677
baseline
▲ 0.50% · 4.625%
HK$61,186
+HK$3,509/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$115,354/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$743,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,378
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$61,998
−HK$1,642/mo
Today · 4.125%
HK$63,640
baseline
▲ 0.50% · 4.625%
HK$66,995
+HK$3,355/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$127,280/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$743,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,319
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$65,288
−HK$2,001/mo
Today · 4.125%
HK$67,289
baseline
▲ 0.50% · 4.625%
HK$71,384
+HK$4,095/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$134,578/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,441
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$72,331
−HK$1,916/mo
Today · 4.125%
HK$74,247
baseline
▲ 0.50% · 4.625%
HK$78,161
+HK$3,914/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$148,494/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,410
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$83,942
−HK$2,573/mo
Today · 4.125%
HK$86,515
baseline
▲ 0.50% · 4.625%
HK$91,779
+HK$5,264/mo
Deposit HK$1.98M · loan HK$17.85M · min. income ≈ HK$173,030/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,568
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$92,996
−HK$2,465/mo
Today · 4.125%
HK$95,461
baseline
▲ 0.50% · 4.625%
HK$100,492
+HK$5,031/mo
Deposit HK$1.98M · loan HK$17.85M · min. income ≈ HK$190,922/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,792 · Scale 2, in force from 26 Feb 2026)