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$45,276
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,685
−HK$1,431/mo
Today · 4.125%
HK$48,116
baseline
▲ 0.50% · 4.625%
HK$51,043
+HK$2,927/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$96,232/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,370
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,721
−HK$1,370/mo
Today · 4.125%
HK$53,091
baseline
▲ 0.50% · 4.625%
HK$55,889
+HK$2,798/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$106,182/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,332
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,022
−HK$1,717/mo
Today · 4.125%
HK$57,739
baseline
▲ 0.50% · 4.625%
HK$61,252
+HK$3,513/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$115,478/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,444
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,065
−HK$1,644/mo
Today · 4.125%
HK$63,709
baseline
▲ 0.50% · 4.625%
HK$67,067
+HK$3,358/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$127,418/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,387
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$65,359
−HK$2,003/mo
Today · 4.125%
HK$67,362
baseline
▲ 0.50% · 4.625%
HK$71,461
+HK$4,099/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$134,724/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,518
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$72,409
−HK$1,918/mo
Today · 4.125%
HK$74,327
baseline
▲ 0.50% · 4.625%
HK$78,245
+HK$3,918/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$148,654/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,498
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$84,033
−HK$2,575/mo
Today · 4.125%
HK$86,608
baseline
▲ 0.50% · 4.625%
HK$91,878
+HK$5,270/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$173,216/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,665
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$93,097
−HK$2,467/mo
Today · 4.125%
HK$95,564
baseline
▲ 0.50% · 4.625%
HK$100,601
+HK$5,037/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$191,128/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,596 · Scale 2, in force from 26 Feb 2026)