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$45,260
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,668
−HK$1,431/mo
Today · 4.125%
HK$48,099
baseline
▲ 0.50% · 4.625%
HK$51,025
+HK$2,926/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$96,198/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,352
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,702
−HK$1,370/mo
Today · 4.125%
HK$53,072
baseline
▲ 0.50% · 4.625%
HK$55,870
+HK$2,798/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$106,144/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,312
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$56,002
−HK$1,716/mo
Today · 4.125%
HK$57,718
baseline
▲ 0.50% · 4.625%
HK$61,230
+HK$3,512/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$115,436/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,422
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,043
−HK$1,643/mo
Today · 4.125%
HK$63,686
baseline
▲ 0.50% · 4.625%
HK$67,043
+HK$3,357/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$127,372/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,365
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$65,336
−HK$2,002/mo
Today · 4.125%
HK$67,338
baseline
▲ 0.50% · 4.625%
HK$71,435
+HK$4,097/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$134,676/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,492
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$72,383
−HK$1,918/mo
Today · 4.125%
HK$74,301
baseline
▲ 0.50% · 4.625%
HK$78,217
+HK$3,916/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$148,602/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,469
−HK$5,108/mo
▼ 0.25% · 3.875%
HK$84,003
−HK$2,574/mo
Today · 4.125%
HK$86,577
baseline
▲ 0.50% · 4.625%
HK$91,845
+HK$5,268/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$173,154/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,633
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$93,064
−HK$2,466/mo
Today · 4.125%
HK$95,530
baseline
▲ 0.50% · 4.625%
HK$100,565
+HK$5,035/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$191,060/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,331 · Scale 2, in force from 26 Feb 2026)