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$45,266
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,674
−HK$1,431/mo
Today · 4.125%
HK$48,105
baseline
▲ 0.50% · 4.625%
HK$51,032
+HK$2,927/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$96,210/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,358
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,709
−HK$1,370/mo
Today · 4.125%
HK$53,079
baseline
▲ 0.50% · 4.625%
HK$55,877
+HK$2,798/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$106,158/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,320
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$56,009
−HK$1,717/mo
Today · 4.125%
HK$57,726
baseline
▲ 0.50% · 4.625%
HK$61,239
+HK$3,513/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$115,452/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,430
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,051
−HK$1,644/mo
Today · 4.125%
HK$63,695
baseline
▲ 0.50% · 4.625%
HK$67,052
+HK$3,357/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$127,390/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,373
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$65,344
−HK$2,003/mo
Today · 4.125%
HK$67,347
baseline
▲ 0.50% · 4.625%
HK$71,445
+HK$4,098/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$134,694/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,502
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$72,393
−HK$1,918/mo
Today · 4.125%
HK$74,311
baseline
▲ 0.50% · 4.625%
HK$78,228
+HK$3,917/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$148,622/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,480
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$84,014
−HK$2,575/mo
Today · 4.125%
HK$86,589
baseline
▲ 0.50% · 4.625%
HK$91,858
+HK$5,269/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$173,178/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,645
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$93,076
−HK$2,466/mo
Today · 4.125%
HK$95,542
baseline
▲ 0.50% · 4.625%
HK$100,579
+HK$5,037/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$191,084/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,430 · Scale 2, in force from 26 Feb 2026)