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$45,350
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,760
−HK$1,433/mo
Today · 4.125%
HK$48,193
baseline
▲ 0.50% · 4.625%
HK$51,126
+HK$2,933/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$96,386/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,451
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,804
−HK$1,373/mo
Today · 4.125%
HK$53,177
baseline
▲ 0.50% · 4.625%
HK$55,980
+HK$2,803/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$106,354/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,420
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,112
−HK$1,720/mo
Today · 4.125%
HK$57,832
baseline
▲ 0.50% · 4.625%
HK$61,351
+HK$3,519/mo
Deposit HK$7.96M · loan HK$11.93M · min. income ≈ HK$115,664/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,541
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,165
−HK$1,647/mo
Today · 4.125%
HK$63,812
baseline
▲ 0.50% · 4.625%
HK$67,176
+HK$3,364/mo
Deposit HK$7.96M · loan HK$11.93M · min. income ≈ HK$127,624/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,489
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$65,464
−HK$2,007/mo
Today · 4.125%
HK$67,471
baseline
▲ 0.50% · 4.625%
HK$71,576
+HK$4,105/mo
Deposit HK$5.97M · loan HK$13.92M · min. income ≈ HK$134,942/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,631
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$72,526
−HK$1,921/mo
Today · 4.125%
HK$74,447
baseline
▲ 0.50% · 4.625%
HK$78,372
+HK$3,925/mo
Deposit HK$5.97M · loan HK$13.92M · min. income ≈ HK$148,894/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,629
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$84,168
−HK$2,580/mo
Today · 4.125%
HK$86,748
baseline
▲ 0.50% · 4.625%
HK$92,027
+HK$5,279/mo
Deposit HK$1.99M · loan HK$17.90M · min. income ≈ HK$173,496/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,812
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$93,247
−HK$2,471/mo
Today · 4.125%
HK$95,718
baseline
▲ 0.50% · 4.625%
HK$100,763
+HK$5,045/mo
Deposit HK$1.99M · loan HK$17.90M · min. income ≈ HK$191,436/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,798 · Scale 2, in force from 26 Feb 2026)