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$45,339
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,750
−HK$1,433/mo
Today · 4.125%
HK$48,183
baseline
▲ 0.50% · 4.625%
HK$51,114
+HK$2,931/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$96,366/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,440
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,792
−HK$1,373/mo
Today · 4.125%
HK$53,165
baseline
▲ 0.50% · 4.625%
HK$55,967
+HK$2,802/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$106,330/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,407
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,100
−HK$1,719/mo
Today · 4.125%
HK$57,819
baseline
▲ 0.50% · 4.625%
HK$61,337
+HK$3,518/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$115,638/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,528
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,151
−HK$1,647/mo
Today · 4.125%
HK$63,798
baseline
▲ 0.50% · 4.625%
HK$67,161
+HK$3,363/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$127,596/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,475
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$65,450
−HK$2,006/mo
Today · 4.125%
HK$67,456
baseline
▲ 0.50% · 4.625%
HK$71,560
+HK$4,104/mo
Deposit HK$5.97M · loan HK$13.92M · min. income ≈ HK$134,912/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,616
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$72,509
−HK$1,922/mo
Today · 4.125%
HK$74,431
baseline
▲ 0.50% · 4.625%
HK$78,354
+HK$3,923/mo
Deposit HK$5.97M · loan HK$13.92M · min. income ≈ HK$148,862/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,611
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$84,150
−HK$2,579/mo
Today · 4.125%
HK$86,729
baseline
▲ 0.50% · 4.625%
HK$92,006
+HK$5,277/mo
Deposit HK$1.99M · loan HK$17.90M · min. income ≈ HK$173,458/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,791
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$93,226
−HK$2,471/mo
Today · 4.125%
HK$95,697
baseline
▲ 0.50% · 4.625%
HK$100,741
+HK$5,044/mo
Deposit HK$1.99M · loan HK$17.90M · min. income ≈ HK$191,394/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,631 · Scale 2, in force from 26 Feb 2026)