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$45,216
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,622
−HK$1,429/mo
Today · 4.125%
HK$48,051
baseline
▲ 0.50% · 4.625%
HK$50,975
+HK$2,924/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$96,102/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,302
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,651
−HK$1,369/mo
Today · 4.125%
HK$53,020
baseline
▲ 0.50% · 4.625%
HK$55,815
+HK$2,795/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$106,040/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,259
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,947
−HK$1,715/mo
Today · 4.125%
HK$57,662
baseline
▲ 0.50% · 4.625%
HK$61,170
+HK$3,508/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$115,324/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$743,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,363
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,982
−HK$1,642/mo
Today · 4.125%
HK$63,624
baseline
▲ 0.50% · 4.625%
HK$66,978
+HK$3,354/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$127,248/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$743,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,302
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$65,271
−HK$2,001/mo
Today · 4.125%
HK$67,272
baseline
▲ 0.50% · 4.625%
HK$71,365
+HK$4,093/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$134,544/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,423
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$72,312
−HK$1,916/mo
Today · 4.125%
HK$74,228
baseline
▲ 0.50% · 4.625%
HK$78,141
+HK$3,913/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$148,456/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,389
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$83,920
−HK$2,573/mo
Today · 4.125%
HK$86,493
baseline
▲ 0.50% · 4.625%
HK$91,755
+HK$5,262/mo
Deposit HK$1.98M · loan HK$17.85M · min. income ≈ HK$172,986/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,544
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$92,973
−HK$2,463/mo
Today · 4.125%
HK$95,436
baseline
▲ 0.50% · 4.625%
HK$100,467
+HK$5,031/mo
Deposit HK$1.98M · loan HK$17.85M · min. income ≈ HK$190,872/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,601 · Scale 2, in force from 26 Feb 2026)