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$45,331
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,741
−HK$1,433/mo
Today · 4.125%
HK$48,174
baseline
▲ 0.50% · 4.625%
HK$51,105
+HK$2,931/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$96,348/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,430
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,783
−HK$1,372/mo
Today · 4.125%
HK$53,155
baseline
▲ 0.50% · 4.625%
HK$55,957
+HK$2,802/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$106,310/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,397
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,089
−HK$1,720/mo
Today · 4.125%
HK$57,809
baseline
▲ 0.50% · 4.625%
HK$61,326
+HK$3,517/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$115,618/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,516
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,139
−HK$1,647/mo
Today · 4.125%
HK$63,786
baseline
▲ 0.50% · 4.625%
HK$67,148
+HK$3,362/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$127,572/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,464
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$65,438
−HK$2,005/mo
Today · 4.125%
HK$67,443
baseline
▲ 0.50% · 4.625%
HK$71,547
+HK$4,104/mo
Deposit HK$5.96M · loan HK$13.92M · min. income ≈ HK$134,886/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,603
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$72,496
−HK$1,921/mo
Today · 4.125%
HK$74,417
baseline
▲ 0.50% · 4.625%
HK$78,340
+HK$3,923/mo
Deposit HK$5.96M · loan HK$13.92M · min. income ≈ HK$148,834/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,596
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$84,134
−HK$2,579/mo
Today · 4.125%
HK$86,713
baseline
▲ 0.50% · 4.625%
HK$91,989
+HK$5,276/mo
Deposit HK$1.99M · loan HK$17.89M · min. income ≈ HK$173,426/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,775
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$93,209
−HK$2,470/mo
Today · 4.125%
HK$95,679
baseline
▲ 0.50% · 4.625%
HK$100,722
+HK$5,043/mo
Deposit HK$1.99M · loan HK$17.89M · min. income ≈ HK$191,358/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,494 · Scale 2, in force from 26 Feb 2026)