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$2,838/mo
▼ 0.25% · 3.875%
HK$46,673
−HK$1,430/mo
Today · 4.125%
HK$48,103
baseline
▲ 0.50% · 4.625%
HK$51,030
+HK$2,927/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$96,206/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,357
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,707
−HK$1,370/mo
Today · 4.125%
HK$53,077
baseline
▲ 0.50% · 4.625%
HK$55,875
+HK$2,798/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$106,154/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,318
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$56,007
−HK$1,717/mo
Today · 4.125%
HK$57,724
baseline
▲ 0.50% · 4.625%
HK$61,236
+HK$3,512/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$115,448/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,428
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,049
−HK$1,644/mo
Today · 4.125%
HK$63,693
baseline
▲ 0.50% · 4.625%
HK$67,050
+HK$3,357/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$744,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,371
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$65,342
−HK$2,003/mo
Today · 4.125%
HK$67,345
baseline
▲ 0.50% · 4.625%
HK$71,442
+HK$4,097/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$744,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,499
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$72,390
−HK$1,918/mo
Today · 4.125%
HK$74,308
baseline
▲ 0.50% · 4.625%
HK$78,225
+HK$3,917/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$148,616/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,477
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$84,011
−HK$2,575/mo
Today · 4.125%
HK$86,586
baseline
▲ 0.50% · 4.625%
HK$91,854
+HK$5,268/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$173,172/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,642
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$93,073
−HK$2,466/mo
Today · 4.125%
HK$95,539
baseline
▲ 0.50% · 4.625%
HK$100,575
+HK$5,036/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$191,078/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,403 · Scale 2, in force from 26 Feb 2026)