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$45,347
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,757
−HK$1,433/mo
Today · 4.125%
HK$48,190
baseline
▲ 0.50% · 4.625%
HK$51,123
+HK$2,933/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$96,380/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,448
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,801
−HK$1,372/mo
Today · 4.125%
HK$53,173
baseline
▲ 0.50% · 4.625%
HK$55,976
+HK$2,803/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$106,346/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,416
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,109
−HK$1,719/mo
Today · 4.125%
HK$57,828
baseline
▲ 0.50% · 4.625%
HK$61,347
+HK$3,519/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$115,656/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,537
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,161
−HK$1,647/mo
Today · 4.125%
HK$63,808
baseline
▲ 0.50% · 4.625%
HK$67,171
+HK$3,363/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$127,616/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,485
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$65,460
−HK$2,007/mo
Today · 4.125%
HK$67,467
baseline
▲ 0.50% · 4.625%
HK$71,572
+HK$4,105/mo
Deposit HK$5.97M · loan HK$13.92M · min. income ≈ HK$134,934/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,627
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$72,521
−HK$1,922/mo
Today · 4.125%
HK$74,443
baseline
▲ 0.50% · 4.625%
HK$78,367
+HK$3,924/mo
Deposit HK$5.97M · loan HK$13.92M · min. income ≈ HK$148,886/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,624
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$84,163
−HK$2,580/mo
Today · 4.125%
HK$86,743
baseline
▲ 0.50% · 4.625%
HK$92,021
+HK$5,278/mo
Deposit HK$1.99M · loan HK$17.90M · min. income ≈ HK$173,486/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,806
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$93,241
−HK$2,471/mo
Today · 4.125%
HK$95,712
baseline
▲ 0.50% · 4.625%
HK$100,757
+HK$5,045/mo
Deposit HK$1.99M · loan HK$17.90M · min. income ≈ HK$191,424/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,751 · Scale 2, in force from 26 Feb 2026)