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$45,259
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,667
−HK$1,431/mo
Today · 4.125%
HK$48,098
baseline
▲ 0.50% · 4.625%
HK$51,024
+HK$2,926/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$96,196/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,351
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,701
−HK$1,370/mo
Today · 4.125%
HK$53,071
baseline
▲ 0.50% · 4.625%
HK$55,868
+HK$2,797/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$106,142/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,311
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$56,001
−HK$1,716/mo
Today · 4.125%
HK$57,717
baseline
▲ 0.50% · 4.625%
HK$61,229
+HK$3,512/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$115,434/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,421
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,041
−HK$1,644/mo
Today · 4.125%
HK$63,685
baseline
▲ 0.50% · 4.625%
HK$67,042
+HK$3,357/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$127,370/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,363
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$65,334
−HK$2,003/mo
Today · 4.125%
HK$67,337
baseline
▲ 0.50% · 4.625%
HK$71,434
+HK$4,097/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$134,674/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,491
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$72,382
−HK$1,917/mo
Today · 4.125%
HK$74,299
baseline
▲ 0.50% · 4.625%
HK$78,216
+HK$3,917/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$148,598/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,467
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$84,001
−HK$2,575/mo
Today · 4.125%
HK$86,576
baseline
▲ 0.50% · 4.625%
HK$91,844
+HK$5,268/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$173,152/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,631
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$93,062
−HK$2,466/mo
Today · 4.125%
HK$95,528
baseline
▲ 0.50% · 4.625%
HK$100,563
+HK$5,035/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$191,056/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,316 · Scale 2, in force from 26 Feb 2026)