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$45,314
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$46,723
−HK$1,432/mo
Today · 4.125%
HK$48,155
baseline
▲ 0.50% · 4.625%
HK$51,086
+HK$2,931/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$96,310/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$745,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,411
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,763
−HK$1,372/mo
Today · 4.125%
HK$53,135
baseline
▲ 0.50% · 4.625%
HK$55,936
+HK$2,801/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$106,270/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$745,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,377
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$56,068
−HK$1,718/mo
Today · 4.125%
HK$57,786
baseline
▲ 0.50% · 4.625%
HK$61,303
+HK$3,517/mo
Deposit HK$7.95M · loan HK$11.92M · min. income ≈ HK$115,572/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$745,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,493
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,116
−HK$1,646/mo
Today · 4.125%
HK$63,762
baseline
▲ 0.50% · 4.625%
HK$67,123
+HK$3,361/mo
Deposit HK$7.95M · loan HK$11.92M · min. income ≈ HK$127,524/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$745,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,439
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$65,413
−HK$2,005/mo
Today · 4.125%
HK$67,418
baseline
▲ 0.50% · 4.625%
HK$71,520
+HK$4,102/mo
Deposit HK$5.96M · loan HK$13.91M · min. income ≈ HK$134,836/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,576
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$72,468
−HK$1,921/mo
Today · 4.125%
HK$74,389
baseline
▲ 0.50% · 4.625%
HK$78,310
+HK$3,921/mo
Deposit HK$5.96M · loan HK$13.91M · min. income ≈ HK$148,778/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,565
−HK$5,115/mo
▼ 0.25% · 3.875%
HK$84,102
−HK$2,578/mo
Today · 4.125%
HK$86,680
baseline
▲ 0.50% · 4.625%
HK$91,954
+HK$5,274/mo
Deposit HK$1.99M · loan HK$17.89M · min. income ≈ HK$173,360/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,740
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$93,174
−HK$2,468/mo
Today · 4.125%
HK$95,642
baseline
▲ 0.50% · 4.625%
HK$100,684
+HK$5,042/mo
Deposit HK$1.99M · loan HK$17.89M · min. income ≈ HK$191,284/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,209 · Scale 2, in force from 26 Feb 2026)