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$45,230
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,637
−HK$1,430/mo
Today · 4.125%
HK$48,067
baseline
▲ 0.50% · 4.625%
HK$50,992
+HK$2,925/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$96,134/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,318
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,668
−HK$1,369/mo
Today · 4.125%
HK$53,037
baseline
▲ 0.50% · 4.625%
HK$55,833
+HK$2,796/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$106,074/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,277
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,965
−HK$1,715/mo
Today · 4.125%
HK$57,680
baseline
▲ 0.50% · 4.625%
HK$61,190
+HK$3,510/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$115,360/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$743,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,382
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$62,001
−HK$1,643/mo
Today · 4.125%
HK$63,644
baseline
▲ 0.50% · 4.625%
HK$66,999
+HK$3,355/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$127,288/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$743,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,323
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$65,292
−HK$2,001/mo
Today · 4.125%
HK$67,293
baseline
▲ 0.50% · 4.625%
HK$71,388
+HK$4,095/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$134,586/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,446
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$72,335
−HK$1,917/mo
Today · 4.125%
HK$74,252
baseline
▲ 0.50% · 4.625%
HK$78,166
+HK$3,914/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$148,504/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,415
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$83,947
−HK$2,573/mo
Today · 4.125%
HK$86,520
baseline
▲ 0.50% · 4.625%
HK$91,785
+HK$5,265/mo
Deposit HK$1.98M · loan HK$17.85M · min. income ≈ HK$173,040/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,573
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$93,002
−HK$2,464/mo
Today · 4.125%
HK$95,466
baseline
▲ 0.50% · 4.625%
HK$100,499
+HK$5,033/mo
Deposit HK$1.98M · loan HK$17.85M · min. income ≈ HK$190,932/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,838 · Scale 2, in force from 26 Feb 2026)