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$45,347
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,758
−HK$1,433/mo
Today · 4.125%
HK$48,191
baseline
▲ 0.50% · 4.625%
HK$51,123
+HK$2,932/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$96,382/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,448
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,801
−HK$1,373/mo
Today · 4.125%
HK$53,174
baseline
▲ 0.50% · 4.625%
HK$55,977
+HK$2,803/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$106,348/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,417
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,109
−HK$1,720/mo
Today · 4.125%
HK$57,829
baseline
▲ 0.50% · 4.625%
HK$61,348
+HK$3,519/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$115,658/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,538
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,162
−HK$1,647/mo
Today · 4.125%
HK$63,809
baseline
▲ 0.50% · 4.625%
HK$67,172
+HK$3,363/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$127,618/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,486
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$65,461
−HK$2,006/mo
Today · 4.125%
HK$67,467
baseline
▲ 0.50% · 4.625%
HK$71,572
+HK$4,105/mo
Deposit HK$5.97M · loan HK$13.92M · min. income ≈ HK$134,934/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,628
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$72,522
−HK$1,921/mo
Today · 4.125%
HK$74,443
baseline
▲ 0.50% · 4.625%
HK$78,367
+HK$3,924/mo
Deposit HK$5.97M · loan HK$13.92M · min. income ≈ HK$148,886/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,625
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$84,164
−HK$2,580/mo
Today · 4.125%
HK$86,744
baseline
▲ 0.50% · 4.625%
HK$92,022
+HK$5,278/mo
Deposit HK$1.99M · loan HK$17.90M · min. income ≈ HK$173,488/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,807
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$93,242
−HK$2,471/mo
Today · 4.125%
HK$95,713
baseline
▲ 0.50% · 4.625%
HK$100,758
+HK$5,045/mo
Deposit HK$1.99M · loan HK$17.90M · min. income ≈ HK$191,426/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,759 · Scale 2, in force from 26 Feb 2026)