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$45,286
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,695
−HK$1,431/mo
Today · 4.125%
HK$48,126
baseline
▲ 0.50% · 4.625%
HK$51,054
+HK$2,928/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$96,252/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,380
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,731
−HK$1,371/mo
Today · 4.125%
HK$53,102
baseline
▲ 0.50% · 4.625%
HK$55,901
+HK$2,799/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$106,204/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,343
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,034
−HK$1,717/mo
Today · 4.125%
HK$57,751
baseline
▲ 0.50% · 4.625%
HK$61,265
+HK$3,514/mo
Deposit HK$7.94M · loan HK$11.92M · min. income ≈ HK$115,502/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,456
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$62,078
−HK$1,645/mo
Today · 4.125%
HK$63,723
baseline
▲ 0.50% · 4.625%
HK$67,082
+HK$3,359/mo
Deposit HK$7.94M · loan HK$11.92M · min. income ≈ HK$127,446/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,400
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$65,373
−HK$2,003/mo
Today · 4.125%
HK$67,376
baseline
▲ 0.50% · 4.625%
HK$71,476
+HK$4,100/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$134,752/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,532
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$72,424
−HK$1,919/mo
Today · 4.125%
HK$74,343
baseline
▲ 0.50% · 4.625%
HK$78,262
+HK$3,919/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$148,686/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,515
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$84,050
−HK$2,577/mo
Today · 4.125%
HK$86,627
baseline
▲ 0.50% · 4.625%
HK$91,898
+HK$5,271/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$173,254/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,684
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$93,117
−HK$2,467/mo
Today · 4.125%
HK$95,584
baseline
▲ 0.50% · 4.625%
HK$100,622
+HK$5,038/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$191,168/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,753 · Scale 2, in force from 26 Feb 2026)