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$45,353
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,764
−HK$1,433/mo
Today · 4.125%
HK$48,197
baseline
▲ 0.50% · 4.625%
HK$51,130
+HK$2,933/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$96,394/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,455
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,808
−HK$1,373/mo
Today · 4.125%
HK$53,181
baseline
▲ 0.50% · 4.625%
HK$55,984
+HK$2,803/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$106,362/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,424
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$56,117
−HK$1,720/mo
Today · 4.125%
HK$57,837
baseline
▲ 0.50% · 4.625%
HK$61,356
+HK$3,519/mo
Deposit HK$7.96M · loan HK$11.93M · min. income ≈ HK$115,674/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,546
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,170
−HK$1,647/mo
Today · 4.125%
HK$63,817
baseline
▲ 0.50% · 4.625%
HK$67,181
+HK$3,364/mo
Deposit HK$7.96M · loan HK$11.93M · min. income ≈ HK$127,634/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,495
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$65,470
−HK$2,006/mo
Today · 4.125%
HK$67,476
baseline
▲ 0.50% · 4.625%
HK$71,582
+HK$4,106/mo
Deposit HK$5.97M · loan HK$13.92M · min. income ≈ HK$134,952/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,637
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$72,532
−HK$1,922/mo
Today · 4.125%
HK$74,454
baseline
▲ 0.50% · 4.625%
HK$78,378
+HK$3,924/mo
Deposit HK$5.97M · loan HK$13.92M · min. income ≈ HK$148,908/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,636
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$84,175
−HK$2,580/mo
Today · 4.125%
HK$86,755
baseline
▲ 0.50% · 4.625%
HK$92,034
+HK$5,279/mo
Deposit HK$1.99M · loan HK$17.90M · min. income ≈ HK$173,510/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,819
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$93,255
−HK$2,471/mo
Today · 4.125%
HK$95,726
baseline
▲ 0.50% · 4.625%
HK$100,772
+HK$5,046/mo
Deposit HK$1.99M · loan HK$17.90M · min. income ≈ HK$191,452/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,860 · Scale 2, in force from 26 Feb 2026)