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$45,210
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,616
−HK$1,429/mo
Today · 4.125%
HK$48,045
baseline
▲ 0.50% · 4.625%
HK$50,969
+HK$2,924/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$96,090/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,296
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,645
−HK$1,368/mo
Today · 4.125%
HK$53,013
baseline
▲ 0.50% · 4.625%
HK$55,808
+HK$2,795/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$106,026/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,252
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,940
−HK$1,714/mo
Today · 4.125%
HK$57,654
baseline
▲ 0.50% · 4.625%
HK$61,162
+HK$3,508/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$115,308/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$743,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,355
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,974
−HK$1,642/mo
Today · 4.125%
HK$63,616
baseline
▲ 0.50% · 4.625%
HK$66,969
+HK$3,353/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$127,232/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$743,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,294
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$65,263
−HK$2,000/mo
Today · 4.125%
HK$67,263
baseline
▲ 0.50% · 4.625%
HK$71,356
+HK$4,093/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$134,526/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,414
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$72,303
−HK$1,915/mo
Today · 4.125%
HK$74,218
baseline
▲ 0.50% · 4.625%
HK$78,131
+HK$3,913/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$148,436/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,378
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$83,910
−HK$2,571/mo
Today · 4.125%
HK$86,481
baseline
▲ 0.50% · 4.625%
HK$91,744
+HK$5,263/mo
Deposit HK$1.98M · loan HK$17.84M · min. income ≈ HK$172,962/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,532
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$92,960
−HK$2,464/mo
Today · 4.125%
HK$95,424
baseline
▲ 0.50% · 4.625%
HK$100,454
+HK$5,030/mo
Deposit HK$1.98M · loan HK$17.84M · min. income ≈ HK$190,848/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,504 · Scale 2, in force from 26 Feb 2026)