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$45,245
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,653
−HK$1,430/mo
Today · 4.125%
HK$48,083
baseline
▲ 0.50% · 4.625%
HK$51,008
+HK$2,925/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$96,166/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,335
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,685
−HK$1,369/mo
Today · 4.125%
HK$53,054
baseline
▲ 0.50% · 4.625%
HK$55,851
+HK$2,797/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$106,108/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,294
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,983
−HK$1,716/mo
Today · 4.125%
HK$57,699
baseline
▲ 0.50% · 4.625%
HK$61,210
+HK$3,511/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$115,398/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,402
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$62,022
−HK$1,643/mo
Today · 4.125%
HK$63,665
baseline
▲ 0.50% · 4.625%
HK$67,021
+HK$3,356/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$127,330/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,343
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$65,314
−HK$2,002/mo
Today · 4.125%
HK$67,316
baseline
▲ 0.50% · 4.625%
HK$71,412
+HK$4,096/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$134,632/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,469
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$72,359
−HK$1,917/mo
Today · 4.125%
HK$74,276
baseline
▲ 0.50% · 4.625%
HK$78,191
+HK$3,915/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$148,552/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,442
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$83,975
−HK$2,574/mo
Today · 4.125%
HK$86,549
baseline
▲ 0.50% · 4.625%
HK$91,815
+HK$5,266/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$173,098/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,603
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$93,033
−HK$2,465/mo
Today · 4.125%
HK$95,498
baseline
▲ 0.50% · 4.625%
HK$100,532
+HK$5,034/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$190,996/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,084 · Scale 2, in force from 26 Feb 2026)