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$45,218
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,625
−HK$1,429/mo
Today · 4.125%
HK$48,054
baseline
▲ 0.50% · 4.625%
HK$50,978
+HK$2,924/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$96,108/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,305
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,654
−HK$1,369/mo
Today · 4.125%
HK$53,023
baseline
▲ 0.50% · 4.625%
HK$55,817
+HK$2,794/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$106,046/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,262
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,950
−HK$1,714/mo
Today · 4.125%
HK$57,664
baseline
▲ 0.50% · 4.625%
HK$61,173
+HK$3,509/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$115,328/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$743,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,366
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,985
−HK$1,642/mo
Today · 4.125%
HK$63,627
baseline
▲ 0.50% · 4.625%
HK$66,981
+HK$3,354/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$127,254/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$743,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,305
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$65,275
−HK$2,000/mo
Today · 4.125%
HK$67,275
baseline
▲ 0.50% · 4.625%
HK$71,369
+HK$4,094/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$134,550/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,427
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$72,315
−HK$1,917/mo
Today · 4.125%
HK$74,232
baseline
▲ 0.50% · 4.625%
HK$78,144
+HK$3,912/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$148,464/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,393
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$83,924
−HK$2,573/mo
Today · 4.125%
HK$86,497
baseline
▲ 0.50% · 4.625%
HK$91,760
+HK$5,263/mo
Deposit HK$1.98M · loan HK$17.85M · min. income ≈ HK$172,994/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,549
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$92,977
−HK$2,464/mo
Today · 4.125%
HK$95,441
baseline
▲ 0.50% · 4.625%
HK$100,471
+HK$5,030/mo
Deposit HK$1.98M · loan HK$17.85M · min. income ≈ HK$190,882/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,636 · Scale 2, in force from 26 Feb 2026)