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$45,280
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,688
−HK$1,431/mo
Today · 4.125%
HK$48,119
baseline
▲ 0.50% · 4.625%
HK$51,047
+HK$2,928/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$96,238/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,374
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,724
−HK$1,371/mo
Today · 4.125%
HK$53,095
baseline
▲ 0.50% · 4.625%
HK$55,894
+HK$2,799/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$106,190/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,336
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,026
−HK$1,717/mo
Today · 4.125%
HK$57,743
baseline
▲ 0.50% · 4.625%
HK$61,257
+HK$3,514/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$115,486/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,448
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,069
−HK$1,645/mo
Today · 4.125%
HK$63,714
baseline
▲ 0.50% · 4.625%
HK$67,072
+HK$3,358/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$127,428/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,392
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$65,364
−HK$2,003/mo
Today · 4.125%
HK$67,367
baseline
▲ 0.50% · 4.625%
HK$71,466
+HK$4,099/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$134,734/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,523
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$72,414
−HK$1,919/mo
Today · 4.125%
HK$74,333
baseline
▲ 0.50% · 4.625%
HK$78,251
+HK$3,918/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$148,666/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,504
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$84,039
−HK$2,576/mo
Today · 4.125%
HK$86,615
baseline
▲ 0.50% · 4.625%
HK$91,885
+HK$5,270/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$173,230/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,672
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$93,104
−HK$2,467/mo
Today · 4.125%
HK$95,571
baseline
▲ 0.50% · 4.625%
HK$100,609
+HK$5,038/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$191,142/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,653 · Scale 2, in force from 26 Feb 2026)