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$45,289
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,697
−HK$1,432/mo
Today · 4.125%
HK$48,129
baseline
▲ 0.50% · 4.625%
HK$51,057
+HK$2,928/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$96,258/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$744,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,383
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,734
−HK$1,371/mo
Today · 4.125%
HK$53,105
baseline
▲ 0.50% · 4.625%
HK$55,905
+HK$2,800/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$106,210/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$744,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,346
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,037
−HK$1,717/mo
Today · 4.125%
HK$57,754
baseline
▲ 0.50% · 4.625%
HK$61,269
+HK$3,515/mo
Deposit HK$7.94M · loan HK$11.92M · min. income ≈ HK$115,508/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,460
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,081
−HK$1,645/mo
Today · 4.125%
HK$63,726
baseline
▲ 0.50% · 4.625%
HK$67,085
+HK$3,359/mo
Deposit HK$7.94M · loan HK$11.92M · min. income ≈ HK$127,452/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,404
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$65,376
−HK$2,004/mo
Today · 4.125%
HK$67,380
baseline
▲ 0.50% · 4.625%
HK$71,480
+HK$4,100/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$134,760/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,537
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$72,428
−HK$1,919/mo
Today · 4.125%
HK$74,347
baseline
▲ 0.50% · 4.625%
HK$78,266
+HK$3,919/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$148,694/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,520
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$84,055
−HK$2,577/mo
Today · 4.125%
HK$86,632
baseline
▲ 0.50% · 4.625%
HK$91,903
+HK$5,271/mo
Deposit HK$1.99M · loan HK$17.88M · min. income ≈ HK$173,264/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,690
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$93,122
−HK$2,468/mo
Today · 4.125%
HK$95,590
baseline
▲ 0.50% · 4.625%
HK$100,628
+HK$5,038/mo
Deposit HK$1.99M · loan HK$17.88M · min. income ≈ HK$191,180/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,797 · Scale 2, in force from 26 Feb 2026)