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$2,843/mo
▼ 0.25% · 3.875%
HK$46,749
−HK$1,433/mo
Today · 4.125%
HK$48,182
baseline
▲ 0.50% · 4.625%
HK$51,114
+HK$2,932/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$96,364/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,439
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,792
−HK$1,372/mo
Today · 4.125%
HK$53,164
baseline
▲ 0.50% · 4.625%
HK$55,966
+HK$2,802/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$106,328/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,406
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,099
−HK$1,719/mo
Today · 4.125%
HK$57,818
baseline
▲ 0.50% · 4.625%
HK$61,336
+HK$3,518/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$115,636/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,527
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,150
−HK$1,647/mo
Today · 4.125%
HK$63,797
baseline
▲ 0.50% · 4.625%
HK$67,160
+HK$3,363/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$127,594/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,474
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$65,449
−HK$2,006/mo
Today · 4.125%
HK$67,455
baseline
▲ 0.50% · 4.625%
HK$71,559
+HK$4,104/mo
Deposit HK$5.96M · loan HK$13.92M · min. income ≈ HK$134,910/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,614
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$72,508
−HK$1,921/mo
Today · 4.125%
HK$74,429
baseline
▲ 0.50% · 4.625%
HK$78,353
+HK$3,924/mo
Deposit HK$5.96M · loan HK$13.92M · min. income ≈ HK$148,858/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,610
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$84,148
−HK$2,579/mo
Today · 4.125%
HK$86,727
baseline
▲ 0.50% · 4.625%
HK$92,004
+HK$5,277/mo
Deposit HK$1.99M · loan HK$17.89M · min. income ≈ HK$173,454/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,790
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$93,225
−HK$2,470/mo
Today · 4.125%
HK$95,695
baseline
▲ 0.50% · 4.625%
HK$100,739
+HK$5,044/mo
Deposit HK$1.99M · loan HK$17.89M · min. income ≈ HK$191,390/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,619 · Scale 2, in force from 26 Feb 2026)