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$45,194
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$46,600
−HK$1,428/mo
Today · 4.125%
HK$48,028
baseline
▲ 0.50% · 4.625%
HK$50,951
+HK$2,923/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$96,056/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$743,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,278
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$51,627
−HK$1,367/mo
Today · 4.125%
HK$52,994
baseline
▲ 0.50% · 4.625%
HK$55,788
+HK$2,794/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$105,988/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$743,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,233
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,920
−HK$1,714/mo
Today · 4.125%
HK$57,634
baseline
▲ 0.50% · 4.625%
HK$61,141
+HK$3,507/mo
Deposit HK$7.93M · loan HK$11.89M · min. income ≈ HK$115,268/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$743,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,334
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,952
−HK$1,641/mo
Today · 4.125%
HK$63,593
baseline
▲ 0.50% · 4.625%
HK$66,945
+HK$3,352/mo
Deposit HK$7.93M · loan HK$11.89M · min. income ≈ HK$127,186/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$743,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,272
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$65,240
−HK$2,000/mo
Today · 4.125%
HK$67,240
baseline
▲ 0.50% · 4.625%
HK$71,331
+HK$4,091/mo
Deposit HK$5.95M · loan HK$13.87M · min. income ≈ HK$134,480/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,389
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$72,277
−HK$1,915/mo
Today · 4.125%
HK$74,192
baseline
▲ 0.50% · 4.625%
HK$78,103
+HK$3,911/mo
Deposit HK$5.95M · loan HK$13.87M · min. income ≈ HK$148,384/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,350
−HK$5,101/mo
▼ 0.25% · 3.875%
HK$83,880
−HK$2,571/mo
Today · 4.125%
HK$86,451
baseline
▲ 0.50% · 4.625%
HK$91,711
+HK$5,260/mo
Deposit HK$1.98M · loan HK$17.84M · min. income ≈ HK$172,902/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,501
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$92,928
−HK$2,462/mo
Today · 4.125%
HK$95,390
baseline
▲ 0.50% · 4.625%
HK$100,418
+HK$5,028/mo
Deposit HK$1.98M · loan HK$17.84M · min. income ≈ HK$190,780/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,242 · Scale 2, in force from 26 Feb 2026)