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$45,256
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,664
−HK$1,430/mo
Today · 4.125%
HK$48,094
baseline
▲ 0.50% · 4.625%
HK$51,020
+HK$2,926/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$96,188/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,347
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,697
−HK$1,370/mo
Today · 4.125%
HK$53,067
baseline
▲ 0.50% · 4.625%
HK$55,864
+HK$2,797/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$106,134/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,307
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$55,997
−HK$1,716/mo
Today · 4.125%
HK$57,713
baseline
▲ 0.50% · 4.625%
HK$61,225
+HK$3,512/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$115,426/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,416
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,037
−HK$1,643/mo
Today · 4.125%
HK$63,680
baseline
▲ 0.50% · 4.625%
HK$67,037
+HK$3,357/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$127,360/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,359
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$65,329
−HK$2,003/mo
Today · 4.125%
HK$67,332
baseline
▲ 0.50% · 4.625%
HK$71,429
+HK$4,097/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$134,664/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,486
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$72,376
−HK$1,918/mo
Today · 4.125%
HK$74,294
baseline
▲ 0.50% · 4.625%
HK$78,210
+HK$3,916/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$148,588/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,461
−HK$5,108/mo
▼ 0.25% · 3.875%
HK$83,995
−HK$2,574/mo
Today · 4.125%
HK$86,569
baseline
▲ 0.50% · 4.625%
HK$91,837
+HK$5,268/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$173,138/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,625
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$93,055
−HK$2,466/mo
Today · 4.125%
HK$95,521
baseline
▲ 0.50% · 4.625%
HK$100,556
+HK$5,035/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$191,042/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,261 · Scale 2, in force from 26 Feb 2026)