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$45,323
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,733
−HK$1,433/mo
Today · 4.125%
HK$48,166
baseline
▲ 0.50% · 4.625%
HK$51,096
+HK$2,930/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$96,332/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$745,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,422
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,774
−HK$1,372/mo
Today · 4.125%
HK$53,146
baseline
▲ 0.50% · 4.625%
HK$55,947
+HK$2,801/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$106,292/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$745,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,388
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$56,080
−HK$1,719/mo
Today · 4.125%
HK$57,799
baseline
▲ 0.50% · 4.625%
HK$61,316
+HK$3,517/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$115,598/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,506
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,129
−HK$1,646/mo
Today · 4.125%
HK$63,775
baseline
▲ 0.50% · 4.625%
HK$67,137
+HK$3,362/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$127,550/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,453
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$65,426
−HK$2,006/mo
Today · 4.125%
HK$67,432
baseline
▲ 0.50% · 4.625%
HK$71,535
+HK$4,103/mo
Deposit HK$5.96M · loan HK$13.91M · min. income ≈ HK$134,864/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,590
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$72,484
−HK$1,920/mo
Today · 4.125%
HK$74,404
baseline
▲ 0.50% · 4.625%
HK$78,326
+HK$3,922/mo
Deposit HK$5.96M · loan HK$13.91M · min. income ≈ HK$148,808/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,582
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$84,120
−HK$2,578/mo
Today · 4.125%
HK$86,698
baseline
▲ 0.50% · 4.625%
HK$91,973
+HK$5,275/mo
Deposit HK$1.99M · loan HK$17.89M · min. income ≈ HK$173,396/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,759
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$93,193
−HK$2,470/mo
Today · 4.125%
HK$95,663
baseline
▲ 0.50% · 4.625%
HK$100,705
+HK$5,042/mo
Deposit HK$1.99M · loan HK$17.89M · min. income ≈ HK$191,326/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,366 · Scale 2, in force from 26 Feb 2026)