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$45,274
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,682
−HK$1,431/mo
Today · 4.125%
HK$48,113
baseline
▲ 0.50% · 4.625%
HK$51,040
+HK$2,927/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$96,226/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,366
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,717
−HK$1,371/mo
Today · 4.125%
HK$53,088
baseline
▲ 0.50% · 4.625%
HK$55,886
+HK$2,798/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$106,176/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,328
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,018
−HK$1,717/mo
Today · 4.125%
HK$57,735
baseline
▲ 0.50% · 4.625%
HK$61,248
+HK$3,513/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$115,470/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,440
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,061
−HK$1,644/mo
Today · 4.125%
HK$63,705
baseline
▲ 0.50% · 4.625%
HK$67,063
+HK$3,358/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$127,410/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,383
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$65,355
−HK$2,003/mo
Today · 4.125%
HK$67,358
baseline
▲ 0.50% · 4.625%
HK$71,456
+HK$4,098/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$134,716/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,513
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$72,404
−HK$1,919/mo
Today · 4.125%
HK$74,323
baseline
▲ 0.50% · 4.625%
HK$78,240
+HK$3,917/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$148,646/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,493
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$84,027
−HK$2,576/mo
Today · 4.125%
HK$86,603
baseline
▲ 0.50% · 4.625%
HK$91,872
+HK$5,269/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$173,206/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,660
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$93,091
−HK$2,467/mo
Today · 4.125%
HK$95,558
baseline
▲ 0.50% · 4.625%
HK$100,595
+HK$5,037/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$191,116/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,549 · Scale 2, in force from 26 Feb 2026)