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$45,250
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,657
−HK$1,430/mo
Today · 4.125%
HK$48,087
baseline
▲ 0.50% · 4.625%
HK$51,014
+HK$2,927/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$96,174/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,340
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,690
−HK$1,370/mo
Today · 4.125%
HK$53,060
baseline
▲ 0.50% · 4.625%
HK$55,857
+HK$2,797/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$106,120/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,300
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,989
−HK$1,716/mo
Today · 4.125%
HK$57,705
baseline
▲ 0.50% · 4.625%
HK$61,216
+HK$3,511/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$115,410/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,408
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,028
−HK$1,644/mo
Today · 4.125%
HK$63,672
baseline
▲ 0.50% · 4.625%
HK$67,028
+HK$3,356/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$127,344/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,350
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$65,320
−HK$2,002/mo
Today · 4.125%
HK$67,322
baseline
▲ 0.50% · 4.625%
HK$71,419
+HK$4,097/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$134,644/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,476
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$72,366
−HK$1,918/mo
Today · 4.125%
HK$74,284
baseline
▲ 0.50% · 4.625%
HK$78,199
+HK$3,915/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$148,568/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,450
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$83,983
−HK$2,574/mo
Today · 4.125%
HK$86,557
baseline
▲ 0.50% · 4.625%
HK$91,824
+HK$5,267/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$173,114/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,612
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$93,042
−HK$2,466/mo
Today · 4.125%
HK$95,508
baseline
▲ 0.50% · 4.625%
HK$100,542
+HK$5,034/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$191,016/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,159 · Scale 2, in force from 26 Feb 2026)