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$45,193
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$46,599
−HK$1,428/mo
Today · 4.125%
HK$48,027
baseline
▲ 0.50% · 4.625%
HK$50,949
+HK$2,922/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$96,054/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$743,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,277
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$51,625
−HK$1,368/mo
Today · 4.125%
HK$52,993
baseline
▲ 0.50% · 4.625%
HK$55,786
+HK$2,793/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$105,986/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$743,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,231
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,918
−HK$1,714/mo
Today · 4.125%
HK$57,632
baseline
▲ 0.50% · 4.625%
HK$61,139
+HK$3,507/mo
Deposit HK$7.93M · loan HK$11.89M · min. income ≈ HK$115,264/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$743,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,332
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,950
−HK$1,641/mo
Today · 4.125%
HK$63,591
baseline
▲ 0.50% · 4.625%
HK$66,943
+HK$3,352/mo
Deposit HK$7.93M · loan HK$11.89M · min. income ≈ HK$127,182/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$743,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,270
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$65,238
−HK$2,000/mo
Today · 4.125%
HK$67,238
baseline
▲ 0.50% · 4.625%
HK$71,329
+HK$4,091/mo
Deposit HK$5.95M · loan HK$13.87M · min. income ≈ HK$134,476/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,387
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$72,275
−HK$1,915/mo
Today · 4.125%
HK$74,190
baseline
▲ 0.50% · 4.625%
HK$78,101
+HK$3,911/mo
Deposit HK$5.95M · loan HK$13.87M · min. income ≈ HK$148,380/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,347
−HK$5,101/mo
▼ 0.25% · 3.875%
HK$83,878
−HK$2,570/mo
Today · 4.125%
HK$86,448
baseline
▲ 0.50% · 4.625%
HK$91,709
+HK$5,261/mo
Deposit HK$1.98M · loan HK$17.84M · min. income ≈ HK$172,896/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,498
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$92,925
−HK$2,462/mo
Today · 4.125%
HK$95,387
baseline
▲ 0.50% · 4.625%
HK$100,415
+HK$5,028/mo
Deposit HK$1.98M · loan HK$17.84M · min. income ≈ HK$190,774/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,221 · Scale 2, in force from 26 Feb 2026)