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$45,244
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,652
−HK$1,430/mo
Today · 4.125%
HK$48,082
baseline
▲ 0.50% · 4.625%
HK$51,007
+HK$2,925/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$96,164/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$744,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,334
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,684
−HK$1,369/mo
Today · 4.125%
HK$53,053
baseline
▲ 0.50% · 4.625%
HK$55,850
+HK$2,797/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$106,106/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$744,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,293
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,982
−HK$1,716/mo
Today · 4.125%
HK$57,698
baseline
▲ 0.50% · 4.625%
HK$61,209
+HK$3,511/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$115,396/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,401
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$62,021
−HK$1,643/mo
Today · 4.125%
HK$63,664
baseline
▲ 0.50% · 4.625%
HK$67,020
+HK$3,356/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$127,328/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,342
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$65,312
−HK$2,002/mo
Today · 4.125%
HK$67,314
baseline
▲ 0.50% · 4.625%
HK$71,410
+HK$4,096/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$134,628/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,467
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$72,357
−HK$1,918/mo
Today · 4.125%
HK$74,275
baseline
▲ 0.50% · 4.625%
HK$78,190
+HK$3,915/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$148,550/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,440
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$83,973
−HK$2,574/mo
Today · 4.125%
HK$86,547
baseline
▲ 0.50% · 4.625%
HK$91,813
+HK$5,266/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$173,094/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,601
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$93,031
−HK$2,465/mo
Today · 4.125%
HK$95,496
baseline
▲ 0.50% · 4.625%
HK$100,530
+HK$5,034/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$190,992/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,067 · Scale 2, in force from 26 Feb 2026)