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$45,321
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,731
−HK$1,432/mo
Today · 4.125%
HK$48,163
baseline
▲ 0.50% · 4.625%
HK$51,094
+HK$2,931/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$96,326/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$745,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,419
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,772
−HK$1,371/mo
Today · 4.125%
HK$53,143
baseline
▲ 0.50% · 4.625%
HK$55,945
+HK$2,802/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$106,286/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$745,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,385
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$56,077
−HK$1,719/mo
Today · 4.125%
HK$57,796
baseline
▲ 0.50% · 4.625%
HK$61,313
+HK$3,517/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$115,592/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,503
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,126
−HK$1,646/mo
Today · 4.125%
HK$63,772
baseline
▲ 0.50% · 4.625%
HK$67,134
+HK$3,362/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$127,544/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,450
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$65,423
−HK$2,006/mo
Today · 4.125%
HK$67,429
baseline
▲ 0.50% · 4.625%
HK$71,531
+HK$4,102/mo
Deposit HK$5.96M · loan HK$13.91M · min. income ≈ HK$134,858/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,587
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$72,480
−HK$1,921/mo
Today · 4.125%
HK$74,401
baseline
▲ 0.50% · 4.625%
HK$78,323
+HK$3,922/mo
Deposit HK$5.96M · loan HK$13.91M · min. income ≈ HK$148,802/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,578
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$84,116
−HK$2,578/mo
Today · 4.125%
HK$86,694
baseline
▲ 0.50% · 4.625%
HK$91,969
+HK$5,275/mo
Deposit HK$1.99M · loan HK$17.89M · min. income ≈ HK$173,388/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,755
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$93,189
−HK$2,469/mo
Today · 4.125%
HK$95,658
baseline
▲ 0.50% · 4.625%
HK$100,700
+HK$5,042/mo
Deposit HK$1.99M · loan HK$17.89M · min. income ≈ HK$191,316/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,332 · Scale 2, in force from 26 Feb 2026)