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$45,284
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,693
−HK$1,431/mo
Today · 4.125%
HK$48,124
baseline
▲ 0.50% · 4.625%
HK$51,052
+HK$2,928/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$96,248/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,379
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,730
−HK$1,370/mo
Today · 4.125%
HK$53,100
baseline
▲ 0.50% · 4.625%
HK$55,899
+HK$2,799/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$106,200/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,341
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,032
−HK$1,717/mo
Today · 4.125%
HK$57,749
baseline
▲ 0.50% · 4.625%
HK$61,263
+HK$3,514/mo
Deposit HK$7.94M · loan HK$11.92M · min. income ≈ HK$115,498/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,454
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,076
−HK$1,644/mo
Today · 4.125%
HK$63,720
baseline
▲ 0.50% · 4.625%
HK$67,079
+HK$3,359/mo
Deposit HK$7.94M · loan HK$11.92M · min. income ≈ HK$127,440/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,398
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$65,370
−HK$2,004/mo
Today · 4.125%
HK$67,374
baseline
▲ 0.50% · 4.625%
HK$71,473
+HK$4,099/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$134,748/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,530
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$72,422
−HK$1,918/mo
Today · 4.125%
HK$74,340
baseline
▲ 0.50% · 4.625%
HK$78,259
+HK$3,919/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$148,680/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,512
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$84,048
−HK$2,576/mo
Today · 4.125%
HK$86,624
baseline
▲ 0.50% · 4.625%
HK$91,894
+HK$5,270/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$173,248/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,681
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$93,113
−HK$2,468/mo
Today · 4.125%
HK$95,581
baseline
▲ 0.50% · 4.625%
HK$100,619
+HK$5,038/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$191,162/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,727 · Scale 2, in force from 26 Feb 2026)