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$45,239
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,646
−HK$1,430/mo
Today · 4.125%
HK$48,076
baseline
▲ 0.50% · 4.625%
HK$51,001
+HK$2,925/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$96,152/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,328
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,678
−HK$1,369/mo
Today · 4.125%
HK$53,047
baseline
▲ 0.50% · 4.625%
HK$55,843
+HK$2,796/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$106,094/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,287
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,976
−HK$1,715/mo
Today · 4.125%
HK$57,691
baseline
▲ 0.50% · 4.625%
HK$61,202
+HK$3,511/mo
Deposit HK$7.94M · loan HK$11.90M · min. income ≈ HK$115,382/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$743,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,394
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$62,014
−HK$1,643/mo
Today · 4.125%
HK$63,657
baseline
▲ 0.50% · 4.625%
HK$67,012
+HK$3,355/mo
Deposit HK$7.94M · loan HK$11.90M · min. income ≈ HK$127,314/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$743,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,335
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$65,305
−HK$2,002/mo
Today · 4.125%
HK$67,307
baseline
▲ 0.50% · 4.625%
HK$71,402
+HK$4,095/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$134,614/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$743,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,459
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$72,349
−HK$1,917/mo
Today · 4.125%
HK$74,266
baseline
▲ 0.50% · 4.625%
HK$78,181
+HK$3,915/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$148,532/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$743,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,431
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$83,963
−HK$2,574/mo
Today · 4.125%
HK$86,537
baseline
▲ 0.50% · 4.625%
HK$91,803
+HK$5,266/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$173,074/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,591
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$93,020
−HK$2,465/mo
Today · 4.125%
HK$95,485
baseline
▲ 0.50% · 4.625%
HK$100,518
+HK$5,033/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$190,970/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,982 · Scale 2, in force from 26 Feb 2026)