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$45,297
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$46,706
−HK$1,432/mo
Today · 4.125%
HK$48,138
baseline
▲ 0.50% · 4.625%
HK$51,067
+HK$2,929/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$96,276/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$744,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,392
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,744
−HK$1,371/mo
Today · 4.125%
HK$53,115
baseline
▲ 0.50% · 4.625%
HK$55,915
+HK$2,800/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$106,230/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$744,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,356
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$56,047
−HK$1,718/mo
Today · 4.125%
HK$57,765
baseline
▲ 0.50% · 4.625%
HK$61,280
+HK$3,515/mo
Deposit HK$7.95M · loan HK$11.92M · min. income ≈ HK$115,530/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,471
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$62,093
−HK$1,645/mo
Today · 4.125%
HK$63,738
baseline
▲ 0.50% · 4.625%
HK$67,098
+HK$3,360/mo
Deposit HK$7.95M · loan HK$11.92M · min. income ≈ HK$127,476/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,416
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$65,388
−HK$2,005/mo
Today · 4.125%
HK$67,393
baseline
▲ 0.50% · 4.625%
HK$71,493
+HK$4,100/mo
Deposit HK$5.96M · loan HK$13.91M · min. income ≈ HK$134,786/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,549
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$72,442
−HK$1,919/mo
Today · 4.125%
HK$74,361
baseline
▲ 0.50% · 4.625%
HK$78,281
+HK$3,920/mo
Deposit HK$5.96M · loan HK$13.91M · min. income ≈ HK$148,722/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,535
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$84,071
−HK$2,577/mo
Today · 4.125%
HK$86,648
baseline
▲ 0.50% · 4.625%
HK$91,920
+HK$5,272/mo
Deposit HK$1.99M · loan HK$17.88M · min. income ≈ HK$173,296/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,706
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$93,139
−HK$2,468/mo
Today · 4.125%
HK$95,607
baseline
▲ 0.50% · 4.625%
HK$100,647
+HK$5,040/mo
Deposit HK$1.99M · loan HK$17.88M · min. income ≈ HK$191,214/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,934 · Scale 2, in force from 26 Feb 2026)