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$45,190
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$46,595
−HK$1,429/mo
Today · 4.125%
HK$48,024
baseline
▲ 0.50% · 4.625%
HK$50,946
+HK$2,922/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$96,048/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$743,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,273
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$51,621
−HK$1,368/mo
Today · 4.125%
HK$52,989
baseline
▲ 0.50% · 4.625%
HK$55,782
+HK$2,793/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$105,978/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$743,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,228
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$55,915
−HK$1,713/mo
Today · 4.125%
HK$57,628
baseline
▲ 0.50% · 4.625%
HK$61,135
+HK$3,507/mo
Deposit HK$7.93M · loan HK$11.89M · min. income ≈ HK$115,256/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$743,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,328
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,946
−HK$1,641/mo
Today · 4.125%
HK$63,587
baseline
▲ 0.50% · 4.625%
HK$66,939
+HK$3,352/mo
Deposit HK$7.93M · loan HK$11.89M · min. income ≈ HK$127,174/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$743,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,266
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$65,234
−HK$1,999/mo
Today · 4.125%
HK$67,233
baseline
▲ 0.50% · 4.625%
HK$71,324
+HK$4,091/mo
Deposit HK$5.95M · loan HK$13.87M · min. income ≈ HK$134,466/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,382
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$72,270
−HK$1,915/mo
Today · 4.125%
HK$74,185
baseline
▲ 0.50% · 4.625%
HK$78,095
+HK$3,910/mo
Deposit HK$5.95M · loan HK$13.87M · min. income ≈ HK$148,370/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,342
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$83,872
−HK$2,570/mo
Today · 4.125%
HK$86,442
baseline
▲ 0.50% · 4.625%
HK$91,702
+HK$5,260/mo
Deposit HK$1.98M · loan HK$17.84M · min. income ≈ HK$172,884/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$743,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,492
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$92,919
−HK$2,462/mo
Today · 4.125%
HK$95,381
baseline
▲ 0.50% · 4.625%
HK$100,408
+HK$5,027/mo
Deposit HK$1.98M · loan HK$17.84M · min. income ≈ HK$190,762/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$743,170 · Scale 2, in force from 26 Feb 2026)