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$45,206
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,612
−HK$1,429/mo
Today · 4.125%
HK$48,041
baseline
▲ 0.50% · 4.625%
HK$50,964
+HK$2,923/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$96,082/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,291
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,640
−HK$1,368/mo
Today · 4.125%
HK$53,008
baseline
▲ 0.50% · 4.625%
HK$55,802
+HK$2,794/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$106,016/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,247
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,934
−HK$1,715/mo
Today · 4.125%
HK$57,649
baseline
▲ 0.50% · 4.625%
HK$61,156
+HK$3,507/mo
Deposit HK$7.93M · loan HK$11.89M · min. income ≈ HK$115,298/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$743,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,349
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,968
−HK$1,642/mo
Today · 4.125%
HK$63,610
baseline
▲ 0.50% · 4.625%
HK$66,963
+HK$3,353/mo
Deposit HK$7.93M · loan HK$11.89M · min. income ≈ HK$127,220/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$743,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,288
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$65,257
−HK$2,000/mo
Today · 4.125%
HK$67,257
baseline
▲ 0.50% · 4.625%
HK$71,349
+HK$4,092/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$134,514/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,407
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$72,296
−HK$1,915/mo
Today · 4.125%
HK$74,211
baseline
▲ 0.50% · 4.625%
HK$78,123
+HK$3,912/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$148,422/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,370
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$83,901
−HK$2,572/mo
Today · 4.125%
HK$86,473
baseline
▲ 0.50% · 4.625%
HK$91,735
+HK$5,262/mo
Deposit HK$1.98M · loan HK$17.84M · min. income ≈ HK$172,946/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,524
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$92,951
−HK$2,463/mo
Today · 4.125%
HK$95,414
baseline
▲ 0.50% · 4.625%
HK$100,444
+HK$5,030/mo
Deposit HK$1.98M · loan HK$17.84M · min. income ≈ HK$190,828/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,432 · Scale 2, in force from 26 Feb 2026)