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$45,230
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,637
−HK$1,429/mo
Today · 4.125%
HK$48,066
baseline
▲ 0.50% · 4.625%
HK$50,991
+HK$2,925/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$96,132/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,318
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,667
−HK$1,369/mo
Today · 4.125%
HK$53,036
baseline
▲ 0.50% · 4.625%
HK$55,832
+HK$2,796/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$106,072/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,276
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,964
−HK$1,716/mo
Today · 4.125%
HK$57,680
baseline
▲ 0.50% · 4.625%
HK$61,189
+HK$3,509/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$115,360/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$743,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,381
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$62,001
−HK$1,643/mo
Today · 4.125%
HK$63,644
baseline
▲ 0.50% · 4.625%
HK$66,998
+HK$3,354/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$127,288/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$743,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,322
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$65,292
−HK$2,001/mo
Today · 4.125%
HK$67,293
baseline
▲ 0.50% · 4.625%
HK$71,387
+HK$4,094/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$134,586/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,445
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$72,334
−HK$1,917/mo
Today · 4.125%
HK$74,251
baseline
▲ 0.50% · 4.625%
HK$78,165
+HK$3,914/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$148,502/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,414
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$83,946
−HK$2,573/mo
Today · 4.125%
HK$86,519
baseline
▲ 0.50% · 4.625%
HK$91,784
+HK$5,265/mo
Deposit HK$1.98M · loan HK$17.85M · min. income ≈ HK$173,038/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,572
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$93,001
−HK$2,465/mo
Today · 4.125%
HK$95,466
baseline
▲ 0.50% · 4.625%
HK$100,498
+HK$5,032/mo
Deposit HK$1.98M · loan HK$17.85M · min. income ≈ HK$190,932/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,831 · Scale 2, in force from 26 Feb 2026)