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$45,307
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,717
−HK$1,432/mo
Today · 4.125%
HK$48,149
baseline
▲ 0.50% · 4.625%
HK$51,078
+HK$2,929/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$96,298/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$745,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,404
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,756
−HK$1,371/mo
Today · 4.125%
HK$53,127
baseline
▲ 0.50% · 4.625%
HK$55,928
+HK$2,801/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$106,254/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$745,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,369
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$56,060
−HK$1,718/mo
Today · 4.125%
HK$57,778
baseline
▲ 0.50% · 4.625%
HK$61,294
+HK$3,516/mo
Deposit HK$7.95M · loan HK$11.92M · min. income ≈ HK$115,556/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$745,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,485
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$62,107
−HK$1,646/mo
Today · 4.125%
HK$63,753
baseline
▲ 0.50% · 4.625%
HK$67,113
+HK$3,360/mo
Deposit HK$7.95M · loan HK$11.92M · min. income ≈ HK$127,506/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$745,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,430
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$65,403
−HK$2,005/mo
Today · 4.125%
HK$67,408
baseline
▲ 0.50% · 4.625%
HK$71,510
+HK$4,102/mo
Deposit HK$5.96M · loan HK$13.91M · min. income ≈ HK$134,816/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,566
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$72,458
−HK$1,920/mo
Today · 4.125%
HK$74,378
baseline
▲ 0.50% · 4.625%
HK$78,299
+HK$3,921/mo
Deposit HK$5.96M · loan HK$13.91M · min. income ≈ HK$148,756/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,553
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$84,090
−HK$2,577/mo
Today · 4.125%
HK$86,667
baseline
▲ 0.50% · 4.625%
HK$91,941
+HK$5,274/mo
Deposit HK$1.99M · loan HK$17.88M · min. income ≈ HK$173,334/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,727
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$93,161
−HK$2,468/mo
Today · 4.125%
HK$95,629
baseline
▲ 0.50% · 4.625%
HK$100,670
+HK$5,041/mo
Deposit HK$1.99M · loan HK$17.88M · min. income ≈ HK$191,258/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,105 · Scale 2, in force from 26 Feb 2026)