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$45,255
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,663
−HK$1,430/mo
Today · 4.125%
HK$48,093
baseline
▲ 0.50% · 4.625%
HK$51,020
+HK$2,927/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$96,186/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,346
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,697
−HK$1,369/mo
Today · 4.125%
HK$53,066
baseline
▲ 0.50% · 4.625%
HK$55,864
+HK$2,798/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$106,132/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,307
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,996
−HK$1,716/mo
Today · 4.125%
HK$57,712
baseline
▲ 0.50% · 4.625%
HK$61,224
+HK$3,512/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$115,424/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,416
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,036
−HK$1,644/mo
Today · 4.125%
HK$63,680
baseline
▲ 0.50% · 4.625%
HK$67,036
+HK$3,356/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$127,360/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,358
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$65,328
−HK$2,003/mo
Today · 4.125%
HK$67,331
baseline
▲ 0.50% · 4.625%
HK$71,428
+HK$4,097/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$134,662/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,485
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$72,375
−HK$1,918/mo
Today · 4.125%
HK$74,293
baseline
▲ 0.50% · 4.625%
HK$78,209
+HK$3,916/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$148,586/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,460
−HK$5,108/mo
▼ 0.25% · 3.875%
HK$83,994
−HK$2,574/mo
Today · 4.125%
HK$86,568
baseline
▲ 0.50% · 4.625%
HK$91,836
+HK$5,268/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$173,136/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,623
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$93,054
−HK$2,465/mo
Today · 4.125%
HK$95,519
baseline
▲ 0.50% · 4.625%
HK$100,554
+HK$5,035/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$191,038/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,251 · Scale 2, in force from 26 Feb 2026)