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$45,244
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,651
−HK$1,430/mo
Today · 4.125%
HK$48,081
baseline
▲ 0.50% · 4.625%
HK$51,007
+HK$2,926/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$96,162/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$744,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,333
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,683
−HK$1,370/mo
Today · 4.125%
HK$53,053
baseline
▲ 0.50% · 4.625%
HK$55,849
+HK$2,796/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$106,106/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$744,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,293
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,981
−HK$1,716/mo
Today · 4.125%
HK$57,697
baseline
▲ 0.50% · 4.625%
HK$61,208
+HK$3,511/mo
Deposit HK$7.94M · loan HK$11.90M · min. income ≈ HK$115,394/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,400
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$62,020
−HK$1,643/mo
Today · 4.125%
HK$63,663
baseline
▲ 0.50% · 4.625%
HK$67,019
+HK$3,356/mo
Deposit HK$7.94M · loan HK$11.90M · min. income ≈ HK$127,326/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,341
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$65,312
−HK$2,001/mo
Today · 4.125%
HK$67,313
baseline
▲ 0.50% · 4.625%
HK$71,409
+HK$4,096/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$134,626/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,467
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$72,356
−HK$1,918/mo
Today · 4.125%
HK$74,274
baseline
▲ 0.50% · 4.625%
HK$78,189
+HK$3,915/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$148,548/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,439
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$83,972
−HK$2,574/mo
Today · 4.125%
HK$86,546
baseline
▲ 0.50% · 4.625%
HK$91,812
+HK$5,266/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$173,092/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,600
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$93,030
−HK$2,465/mo
Today · 4.125%
HK$95,495
baseline
▲ 0.50% · 4.625%
HK$100,528
+HK$5,033/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$190,990/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,058 · Scale 2, in force from 26 Feb 2026)