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$45,205
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,611
−HK$1,429/mo
Today · 4.125%
HK$48,040
baseline
▲ 0.50% · 4.625%
HK$50,963
+HK$2,923/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$96,080/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,290
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,639
−HK$1,368/mo
Today · 4.125%
HK$53,007
baseline
▲ 0.50% · 4.625%
HK$55,801
+HK$2,794/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$106,014/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,246
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,933
−HK$1,715/mo
Today · 4.125%
HK$57,648
baseline
▲ 0.50% · 4.625%
HK$61,155
+HK$3,507/mo
Deposit HK$7.93M · loan HK$11.89M · min. income ≈ HK$115,296/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$743,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,348
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$61,966
−HK$1,642/mo
Today · 4.125%
HK$63,608
baseline
▲ 0.50% · 4.625%
HK$66,961
+HK$3,353/mo
Deposit HK$7.93M · loan HK$11.89M · min. income ≈ HK$127,216/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$743,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,287
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$65,255
−HK$2,000/mo
Today · 4.125%
HK$67,255
baseline
▲ 0.50% · 4.625%
HK$71,348
+HK$4,093/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$134,510/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,406
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$72,294
−HK$1,916/mo
Today · 4.125%
HK$74,210
baseline
▲ 0.50% · 4.625%
HK$78,121
+HK$3,911/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$148,420/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,369
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$83,900
−HK$2,571/mo
Today · 4.125%
HK$86,471
baseline
▲ 0.50% · 4.625%
HK$91,733
+HK$5,262/mo
Deposit HK$1.98M · loan HK$17.84M · min. income ≈ HK$172,942/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,522
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$92,950
−HK$2,463/mo
Today · 4.125%
HK$95,413
baseline
▲ 0.50% · 4.625%
HK$100,442
+HK$5,029/mo
Deposit HK$1.98M · loan HK$17.84M · min. income ≈ HK$190,826/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,418 · Scale 2, in force from 26 Feb 2026)