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$45,265
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,673
−HK$1,431/mo
Today · 4.125%
HK$48,104
baseline
▲ 0.50% · 4.625%
HK$51,031
+HK$2,927/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$96,208/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,357
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,708
−HK$1,370/mo
Today · 4.125%
HK$53,078
baseline
▲ 0.50% · 4.625%
HK$55,876
+HK$2,798/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$106,156/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,318
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,008
−HK$1,717/mo
Today · 4.125%
HK$57,725
baseline
▲ 0.50% · 4.625%
HK$61,237
+HK$3,512/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$115,450/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,429
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,049
−HK$1,644/mo
Today · 4.125%
HK$63,693
baseline
▲ 0.50% · 4.625%
HK$67,051
+HK$3,358/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$127,386/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,371
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$65,343
−HK$2,002/mo
Today · 4.125%
HK$67,345
baseline
▲ 0.50% · 4.625%
HK$71,443
+HK$4,098/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$134,690/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,500
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$72,391
−HK$1,918/mo
Today · 4.125%
HK$74,309
baseline
▲ 0.50% · 4.625%
HK$78,226
+HK$3,917/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$148,618/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,477
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$84,012
−HK$2,575/mo
Today · 4.125%
HK$86,587
baseline
▲ 0.50% · 4.625%
HK$91,855
+HK$5,268/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$173,174/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,643
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$93,074
−HK$2,466/mo
Today · 4.125%
HK$95,540
baseline
▲ 0.50% · 4.625%
HK$100,576
+HK$5,036/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$191,080/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,411 · Scale 2, in force from 26 Feb 2026)