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$45,198
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,604
−HK$1,429/mo
Today · 4.125%
HK$48,033
baseline
▲ 0.50% · 4.625%
HK$50,955
+HK$2,922/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$96,066/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$743,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,283
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$51,631
−HK$1,368/mo
Today · 4.125%
HK$52,999
baseline
▲ 0.50% · 4.625%
HK$55,793
+HK$2,794/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$105,998/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$743,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,238
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,925
−HK$1,714/mo
Today · 4.125%
HK$57,639
baseline
▲ 0.50% · 4.625%
HK$61,146
+HK$3,507/mo
Deposit HK$7.93M · loan HK$11.89M · min. income ≈ HK$115,278/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$743,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,339
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$61,958
−HK$1,641/mo
Today · 4.125%
HK$63,599
baseline
▲ 0.50% · 4.625%
HK$66,952
+HK$3,353/mo
Deposit HK$7.93M · loan HK$11.89M · min. income ≈ HK$127,198/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$743,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,278
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$65,246
−HK$2,000/mo
Today · 4.125%
HK$67,246
baseline
▲ 0.50% · 4.625%
HK$71,337
+HK$4,091/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$134,492/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,396
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$72,284
−HK$1,915/mo
Today · 4.125%
HK$74,199
baseline
▲ 0.50% · 4.625%
HK$78,110
+HK$3,911/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$148,398/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,357
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$83,888
−HK$2,571/mo
Today · 4.125%
HK$86,459
baseline
▲ 0.50% · 4.625%
HK$91,720
+HK$5,261/mo
Deposit HK$1.98M · loan HK$17.84M · min. income ≈ HK$172,918/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,509
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$92,936
−HK$2,463/mo
Today · 4.125%
HK$95,399
baseline
▲ 0.50% · 4.625%
HK$100,427
+HK$5,028/mo
Deposit HK$1.98M · loan HK$17.84M · min. income ≈ HK$190,798/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,311 · Scale 2, in force from 26 Feb 2026)