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$45,249
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,656
−HK$1,430/mo
Today · 4.125%
HK$48,086
baseline
▲ 0.50% · 4.625%
HK$51,012
+HK$2,926/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$96,172/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,339
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,689
−HK$1,369/mo
Today · 4.125%
HK$53,058
baseline
▲ 0.50% · 4.625%
HK$55,855
+HK$2,797/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$106,116/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,299
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,988
−HK$1,716/mo
Today · 4.125%
HK$57,704
baseline
▲ 0.50% · 4.625%
HK$61,215
+HK$3,511/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$115,408/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,407
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$62,027
−HK$1,643/mo
Today · 4.125%
HK$63,670
baseline
▲ 0.50% · 4.625%
HK$67,026
+HK$3,356/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$127,340/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,348
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$65,319
−HK$2,002/mo
Today · 4.125%
HK$67,321
baseline
▲ 0.50% · 4.625%
HK$71,417
+HK$4,096/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$134,642/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,474
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$72,364
−HK$1,918/mo
Today · 4.125%
HK$74,282
baseline
▲ 0.50% · 4.625%
HK$78,197
+HK$3,915/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$148,564/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,448
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$83,981
−HK$2,574/mo
Today · 4.125%
HK$86,555
baseline
▲ 0.50% · 4.625%
HK$91,822
+HK$5,267/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$173,110/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,610
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$93,040
−HK$2,465/mo
Today · 4.125%
HK$95,505
baseline
▲ 0.50% · 4.625%
HK$100,539
+HK$5,034/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$191,010/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,140 · Scale 2, in force from 26 Feb 2026)