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$2,836/mo
▼ 0.25% · 3.875%
HK$46,623
−HK$1,429/mo
Today · 4.125%
HK$48,052
baseline
▲ 0.50% · 4.625%
HK$50,976
+HK$2,924/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$96,104/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,303
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,652
−HK$1,368/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$743,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,260
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,947
−HK$1,715/mo
Today · 4.125%
HK$57,662
baseline
▲ 0.50% · 4.625%
HK$61,171
+HK$3,509/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$743,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,363
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$61,982
−HK$1,643/mo
Today · 4.125%
HK$63,625
baseline
▲ 0.50% · 4.625%
HK$66,978
+HK$3,353/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$127,250/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$743,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,303
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$65,272
−HK$2,001/mo
Today · 4.125%
HK$67,273
baseline
▲ 0.50% · 4.625%
HK$71,366
+HK$4,093/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$134,546/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,424
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$72,313
−HK$1,916/mo
Today · 4.125%
HK$74,229
baseline
▲ 0.50% · 4.625%
HK$78,141
+HK$3,912/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$148,458/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,389
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$83,921
−HK$2,572/mo
Today · 4.125%
HK$86,493
baseline
▲ 0.50% · 4.625%
HK$91,756
+HK$5,263/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$743,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,545
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$92,973
−HK$2,464/mo
Today · 4.125%
HK$95,437
baseline
▲ 0.50% · 4.625%
HK$100,467
+HK$5,030/mo
Deposit HK$1.98M · loan HK$17.85M · min. income ≈ HK$190,874/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,607 · Scale 2, in force from 26 Feb 2026)