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$45,283
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,691
−HK$1,431/mo
Today · 4.125%
HK$48,122
baseline
▲ 0.50% · 4.625%
HK$51,050
+HK$2,928/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$96,244/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,376
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,727
−HK$1,371/mo
Today · 4.125%
HK$53,098
baseline
▲ 0.50% · 4.625%
HK$55,897
+HK$2,799/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$106,196/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,339
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,029
−HK$1,718/mo
Today · 4.125%
HK$57,747
baseline
▲ 0.50% · 4.625%
HK$61,260
+HK$3,513/mo
Deposit HK$7.94M · loan HK$11.92M · min. income ≈ HK$115,494/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,452
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,073
−HK$1,645/mo
Today · 4.125%
HK$63,718
baseline
▲ 0.50% · 4.625%
HK$67,076
+HK$3,358/mo
Deposit HK$7.94M · loan HK$11.92M · min. income ≈ HK$127,436/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,396
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$65,367
−HK$2,004/mo
Today · 4.125%
HK$67,371
baseline
▲ 0.50% · 4.625%
HK$71,470
+HK$4,099/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$134,742/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,527
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$72,418
−HK$1,919/mo
Today · 4.125%
HK$74,337
baseline
▲ 0.50% · 4.625%
HK$78,256
+HK$3,919/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$148,674/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,509
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$84,044
−HK$2,576/mo
Today · 4.125%
HK$86,620
baseline
▲ 0.50% · 4.625%
HK$91,890
+HK$5,270/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$173,240/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,677
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$93,109
−HK$2,467/mo
Today · 4.125%
HK$95,576
baseline
▲ 0.50% · 4.625%
HK$100,614
+HK$5,038/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$191,152/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,695 · Scale 2, in force from 26 Feb 2026)