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$45,209
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,615
−HK$1,429/mo
Today · 4.125%
HK$48,044
baseline
▲ 0.50% · 4.625%
HK$50,967
+HK$2,923/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$96,088/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,294
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,643
−HK$1,369/mo
Today · 4.125%
HK$53,012
baseline
▲ 0.50% · 4.625%
HK$55,806
+HK$2,794/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$106,024/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,251
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,938
−HK$1,715/mo
Today · 4.125%
HK$57,653
baseline
▲ 0.50% · 4.625%
HK$61,161
+HK$3,508/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$115,306/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$743,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,353
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,972
−HK$1,642/mo
Today · 4.125%
HK$63,614
baseline
▲ 0.50% · 4.625%
HK$66,967
+HK$3,353/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$127,228/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$743,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,292
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$65,261
−HK$2,000/mo
Today · 4.125%
HK$67,261
baseline
▲ 0.50% · 4.625%
HK$71,354
+HK$4,093/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$134,522/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,412
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$72,300
−HK$1,916/mo
Today · 4.125%
HK$74,216
baseline
▲ 0.50% · 4.625%
HK$78,128
+HK$3,912/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$148,432/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,376
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$83,907
−HK$2,572/mo
Today · 4.125%
HK$86,479
baseline
▲ 0.50% · 4.625%
HK$91,741
+HK$5,262/mo
Deposit HK$1.98M · loan HK$17.84M · min. income ≈ HK$172,958/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,530
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$92,958
−HK$2,463/mo
Today · 4.125%
HK$95,421
baseline
▲ 0.50% · 4.625%
HK$100,451
+HK$5,030/mo
Deposit HK$1.98M · loan HK$17.84M · min. income ≈ HK$190,842/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,483 · Scale 2, in force from 26 Feb 2026)