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$45,270
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,678
−HK$1,430/mo
Today · 4.125%
HK$48,108
baseline
▲ 0.50% · 4.625%
HK$51,036
+HK$2,928/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$96,216/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,362
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,713
−HK$1,370/mo
Today · 4.125%
HK$53,083
baseline
▲ 0.50% · 4.625%
HK$55,881
+HK$2,798/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$106,166/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,324
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$56,013
−HK$1,717/mo
Today · 4.125%
HK$57,730
baseline
▲ 0.50% · 4.625%
HK$61,243
+HK$3,513/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$115,460/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,434
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,055
−HK$1,645/mo
Today · 4.125%
HK$63,700
baseline
▲ 0.50% · 4.625%
HK$67,057
+HK$3,357/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$127,400/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,378
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$65,349
−HK$2,003/mo
Today · 4.125%
HK$67,352
baseline
▲ 0.50% · 4.625%
HK$71,450
+HK$4,098/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$134,704/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,507
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$72,398
−HK$1,918/mo
Today · 4.125%
HK$74,316
baseline
▲ 0.50% · 4.625%
HK$78,233
+HK$3,917/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$148,632/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,485
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$84,020
−HK$2,575/mo
Today · 4.125%
HK$86,595
baseline
▲ 0.50% · 4.625%
HK$91,864
+HK$5,269/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$173,190/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,652
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$93,083
−HK$2,466/mo
Today · 4.125%
HK$95,549
baseline
▲ 0.50% · 4.625%
HK$100,586
+HK$5,037/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$191,098/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,483 · Scale 2, in force from 26 Feb 2026)