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$45,319
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,728
−HK$1,433/mo
Today · 4.125%
HK$48,161
baseline
▲ 0.50% · 4.625%
HK$51,091
+HK$2,930/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$96,322/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$745,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,417
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,769
−HK$1,372/mo
Today · 4.125%
HK$53,141
baseline
▲ 0.50% · 4.625%
HK$55,942
+HK$2,801/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$106,282/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$745,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,383
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$56,074
−HK$1,719/mo
Today · 4.125%
HK$57,793
baseline
▲ 0.50% · 4.625%
HK$61,309
+HK$3,516/mo
Deposit HK$7.95M · loan HK$11.92M · min. income ≈ HK$115,586/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,500
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,123
−HK$1,646/mo
Today · 4.125%
HK$63,769
baseline
▲ 0.50% · 4.625%
HK$67,130
+HK$3,361/mo
Deposit HK$7.95M · loan HK$11.92M · min. income ≈ HK$127,538/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,446
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$65,420
−HK$2,005/mo
Today · 4.125%
HK$67,425
baseline
▲ 0.50% · 4.625%
HK$71,528
+HK$4,103/mo
Deposit HK$5.96M · loan HK$13.91M · min. income ≈ HK$134,850/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,583
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$72,476
−HK$1,921/mo
Today · 4.125%
HK$74,397
baseline
▲ 0.50% · 4.625%
HK$78,318
+HK$3,921/mo
Deposit HK$5.96M · loan HK$13.91M · min. income ≈ HK$148,794/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,574
−HK$5,115/mo
▼ 0.25% · 3.875%
HK$84,111
−HK$2,578/mo
Today · 4.125%
HK$86,689
baseline
▲ 0.50% · 4.625%
HK$91,964
+HK$5,275/mo
Deposit HK$1.99M · loan HK$17.89M · min. income ≈ HK$173,378/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,750
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$93,184
−HK$2,469/mo
Today · 4.125%
HK$95,653
baseline
▲ 0.50% · 4.625%
HK$100,695
+HK$5,042/mo
Deposit HK$1.99M · loan HK$17.89M · min. income ≈ HK$191,306/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,291 · Scale 2, in force from 26 Feb 2026)