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$45,352
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,763
−HK$1,433/mo
Today · 4.125%
HK$48,196
baseline
▲ 0.50% · 4.625%
HK$51,129
+HK$2,933/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$96,392/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,454
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,807
−HK$1,373/mo
Today · 4.125%
HK$53,180
baseline
▲ 0.50% · 4.625%
HK$55,983
+HK$2,803/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$106,360/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,423
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,116
−HK$1,719/mo
Today · 4.125%
HK$57,835
baseline
▲ 0.50% · 4.625%
HK$61,355
+HK$3,520/mo
Deposit HK$7.96M · loan HK$11.93M · min. income ≈ HK$115,670/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,545
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,168
−HK$1,648/mo
Today · 4.125%
HK$63,816
baseline
▲ 0.50% · 4.625%
HK$67,180
+HK$3,364/mo
Deposit HK$7.96M · loan HK$11.93M · min. income ≈ HK$127,632/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,493
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$65,468
−HK$2,007/mo
Today · 4.125%
HK$67,475
baseline
▲ 0.50% · 4.625%
HK$71,580
+HK$4,105/mo
Deposit HK$5.97M · loan HK$13.92M · min. income ≈ HK$134,950/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,635
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$72,530
−HK$1,922/mo
Today · 4.125%
HK$74,452
baseline
▲ 0.50% · 4.625%
HK$78,376
+HK$3,924/mo
Deposit HK$5.97M · loan HK$13.92M · min. income ≈ HK$148,904/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,634
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$84,173
−HK$2,580/mo
Today · 4.125%
HK$86,753
baseline
▲ 0.50% · 4.625%
HK$92,032
+HK$5,279/mo
Deposit HK$1.99M · loan HK$17.90M · min. income ≈ HK$173,506/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,817
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$93,253
−HK$2,471/mo
Today · 4.125%
HK$95,724
baseline
▲ 0.50% · 4.625%
HK$100,769
+HK$5,045/mo
Deposit HK$1.99M · loan HK$17.90M · min. income ≈ HK$191,448/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,841 · Scale 2, in force from 26 Feb 2026)