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$45,221
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,628
−HK$1,429/mo
Today · 4.125%
HK$48,057
baseline
▲ 0.50% · 4.625%
HK$50,981
+HK$2,924/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$96,114/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,308
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,658
−HK$1,368/mo
Today · 4.125%
HK$53,026
baseline
▲ 0.50% · 4.625%
HK$55,821
+HK$2,795/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$106,052/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,266
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,954
−HK$1,715/mo
Today · 4.125%
HK$57,669
baseline
▲ 0.50% · 4.625%
HK$61,178
+HK$3,509/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$115,338/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$743,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,370
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$61,989
−HK$1,643/mo
Today · 4.125%
HK$63,632
baseline
▲ 0.50% · 4.625%
HK$66,986
+HK$3,354/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$127,264/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$743,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,310
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$65,279
−HK$2,001/mo
Today · 4.125%
HK$67,280
baseline
▲ 0.50% · 4.625%
HK$71,374
+HK$4,094/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$134,560/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,432
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$72,321
−HK$1,916/mo
Today · 4.125%
HK$74,237
baseline
▲ 0.50% · 4.625%
HK$78,150
+HK$3,913/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$148,474/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,398
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$83,930
−HK$2,573/mo
Today · 4.125%
HK$86,503
baseline
▲ 0.50% · 4.625%
HK$91,766
+HK$5,263/mo
Deposit HK$1.98M · loan HK$17.85M · min. income ≈ HK$173,006/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,555
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$92,984
−HK$2,463/mo
Today · 4.125%
HK$95,447
baseline
▲ 0.50% · 4.625%
HK$100,479
+HK$5,032/mo
Deposit HK$1.98M · loan HK$17.85M · min. income ≈ HK$190,894/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,690 · Scale 2, in force from 26 Feb 2026)