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$45,330
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,740
−HK$1,433/mo
Today · 4.125%
HK$48,173
baseline
▲ 0.50% · 4.625%
HK$51,104
+HK$2,931/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$96,346/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,430
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,782
−HK$1,372/mo
Today · 4.125%
HK$53,154
baseline
▲ 0.50% · 4.625%
HK$55,956
+HK$2,802/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$106,308/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,396
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,089
−HK$1,719/mo
Today · 4.125%
HK$57,808
baseline
▲ 0.50% · 4.625%
HK$61,325
+HK$3,517/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$115,616/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,516
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,139
−HK$1,646/mo
Today · 4.125%
HK$63,785
baseline
▲ 0.50% · 4.625%
HK$67,147
+HK$3,362/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$127,570/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,463
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$65,437
−HK$2,005/mo
Today · 4.125%
HK$67,442
baseline
▲ 0.50% · 4.625%
HK$71,546
+HK$4,104/mo
Deposit HK$5.96M · loan HK$13.92M · min. income ≈ HK$134,884/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,601
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$72,495
−HK$1,921/mo
Today · 4.125%
HK$74,416
baseline
▲ 0.50% · 4.625%
HK$78,338
+HK$3,922/mo
Deposit HK$5.96M · loan HK$13.92M · min. income ≈ HK$148,832/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,595
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$84,133
−HK$2,578/mo
Today · 4.125%
HK$86,711
baseline
▲ 0.50% · 4.625%
HK$91,988
+HK$5,277/mo
Deposit HK$1.99M · loan HK$17.89M · min. income ≈ HK$173,422/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,773
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$93,208
−HK$2,469/mo
Today · 4.125%
HK$95,677
baseline
▲ 0.50% · 4.625%
HK$100,721
+HK$5,044/mo
Deposit HK$1.99M · loan HK$17.89M · min. income ≈ HK$191,354/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,482 · Scale 2, in force from 26 Feb 2026)