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$46,730
−HK$1,433/mo
Today · 4.125%
HK$48,163
baseline
▲ 0.50% · 4.625%
HK$51,093
+HK$2,930/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$745,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,419
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,771
−HK$1,372/mo
Today · 4.125%
HK$53,143
baseline
▲ 0.50% · 4.625%
HK$55,944
+HK$2,801/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$745,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,385
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$56,077
−HK$1,718/mo
Today · 4.125%
HK$57,795
baseline
▲ 0.50% · 4.625%
HK$61,312
+HK$3,517/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$115,590/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,503
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$62,125
−HK$1,646/mo
Today · 4.125%
HK$63,771
baseline
▲ 0.50% · 4.625%
HK$67,133
+HK$3,362/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$127,542/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,449
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$65,423
−HK$2,005/mo
Today · 4.125%
HK$67,428
baseline
▲ 0.50% · 4.625%
HK$71,531
+HK$4,103/mo
Deposit HK$5.96M · loan HK$13.91M · min. income ≈ HK$134,856/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,586
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$72,480
−HK$1,920/mo
Today · 4.125%
HK$74,400
baseline
▲ 0.50% · 4.625%
HK$78,322
+HK$3,922/mo
Deposit HK$5.96M · loan HK$13.91M · min. income ≈ HK$148,800/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,577
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$84,115
−HK$2,578/mo
Today · 4.125%
HK$86,693
baseline
▲ 0.50% · 4.625%
HK$91,968
+HK$5,275/mo
Deposit HK$1.99M · loan HK$17.89M · min. income ≈ HK$173,386/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,754
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$93,188
−HK$2,469/mo
Today · 4.125%
HK$95,657
baseline
▲ 0.50% · 4.625%
HK$100,699
+HK$5,042/mo
Deposit HK$1.99M · loan HK$17.89M · min. income ≈ HK$191,314/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,324 · Scale 2, in force from 26 Feb 2026)