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$45,345
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,755
−HK$1,433/mo
Today · 4.125%
HK$48,188
baseline
▲ 0.50% · 4.625%
HK$51,120
+HK$2,932/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$96,376/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,446
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,798
−HK$1,373/mo
Today · 4.125%
HK$53,171
baseline
▲ 0.50% · 4.625%
HK$55,974
+HK$2,803/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$106,342/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,414
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,106
−HK$1,720/mo
Today · 4.125%
HK$57,826
baseline
▲ 0.50% · 4.625%
HK$61,344
+HK$3,518/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$115,652/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,535
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,158
−HK$1,647/mo
Today · 4.125%
HK$63,805
baseline
▲ 0.50% · 4.625%
HK$67,168
+HK$3,363/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$127,610/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,483
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$65,457
−HK$2,007/mo
Today · 4.125%
HK$67,464
baseline
▲ 0.50% · 4.625%
HK$71,569
+HK$4,105/mo
Deposit HK$5.97M · loan HK$13.92M · min. income ≈ HK$134,928/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,624
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$72,518
−HK$1,921/mo
Today · 4.125%
HK$74,439
baseline
▲ 0.50% · 4.625%
HK$78,363
+HK$3,924/mo
Deposit HK$5.97M · loan HK$13.92M · min. income ≈ HK$148,878/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,621
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$84,159
−HK$2,580/mo
Today · 4.125%
HK$86,739
baseline
▲ 0.50% · 4.625%
HK$92,017
+HK$5,278/mo
Deposit HK$1.99M · loan HK$17.90M · min. income ≈ HK$173,478/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,802
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$93,237
−HK$2,471/mo
Today · 4.125%
HK$95,708
baseline
▲ 0.50% · 4.625%
HK$100,753
+HK$5,045/mo
Deposit HK$1.99M · loan HK$17.90M · min. income ≈ HK$191,416/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,718 · Scale 2, in force from 26 Feb 2026)