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$45,308
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$46,717
−HK$1,432/mo
Today · 4.125%
HK$48,149
baseline
▲ 0.50% · 4.625%
HK$51,079
+HK$2,930/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$96,298/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$745,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,405
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,756
−HK$1,372/mo
Today · 4.125%
HK$53,128
baseline
▲ 0.50% · 4.625%
HK$55,928
+HK$2,800/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$106,256/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$745,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,369
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$56,061
−HK$1,718/mo
Today · 4.125%
HK$57,779
baseline
▲ 0.50% · 4.625%
HK$61,295
+HK$3,516/mo
Deposit HK$7.95M · loan HK$11.92M · min. income ≈ HK$115,558/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$745,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,486
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$62,108
−HK$1,645/mo
Today · 4.125%
HK$63,753
baseline
▲ 0.50% · 4.625%
HK$67,114
+HK$3,361/mo
Deposit HK$7.95M · loan HK$11.92M · min. income ≈ HK$127,506/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$745,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,431
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$65,404
−HK$2,005/mo
Today · 4.125%
HK$67,409
baseline
▲ 0.50% · 4.625%
HK$71,510
+HK$4,101/mo
Deposit HK$5.96M · loan HK$13.91M · min. income ≈ HK$134,818/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,566
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$72,459
−HK$1,920/mo
Today · 4.125%
HK$74,379
baseline
▲ 0.50% · 4.625%
HK$78,300
+HK$3,921/mo
Deposit HK$5.96M · loan HK$13.91M · min. income ≈ HK$148,758/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,554
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$84,091
−HK$2,577/mo
Today · 4.125%
HK$86,668
baseline
▲ 0.50% · 4.625%
HK$91,942
+HK$5,274/mo
Deposit HK$1.99M · loan HK$17.88M · min. income ≈ HK$173,336/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,728
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$93,162
−HK$2,468/mo
Today · 4.125%
HK$95,630
baseline
▲ 0.50% · 4.625%
HK$100,671
+HK$5,041/mo
Deposit HK$1.99M · loan HK$17.88M · min. income ≈ HK$191,260/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,112 · Scale 2, in force from 26 Feb 2026)