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$45,326
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,735
−HK$1,433/mo
Today · 4.125%
HK$48,168
baseline
▲ 0.50% · 4.625%
HK$51,099
+HK$2,931/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$96,336/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$745,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,424
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,777
−HK$1,372/mo
Today · 4.125%
HK$53,149
baseline
▲ 0.50% · 4.625%
HK$55,950
+HK$2,801/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$106,298/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$745,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,391
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$56,083
−HK$1,719/mo
Today · 4.125%
HK$57,802
baseline
▲ 0.50% · 4.625%
HK$61,319
+HK$3,517/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$115,604/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,509
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,132
−HK$1,646/mo
Today · 4.125%
HK$63,778
baseline
▲ 0.50% · 4.625%
HK$67,140
+HK$3,362/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$127,556/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,456
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$65,430
−HK$2,005/mo
Today · 4.125%
HK$67,435
baseline
▲ 0.50% · 4.625%
HK$71,538
+HK$4,103/mo
Deposit HK$5.96M · loan HK$13.91M · min. income ≈ HK$134,870/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,594
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$72,487
−HK$1,921/mo
Today · 4.125%
HK$74,408
baseline
▲ 0.50% · 4.625%
HK$78,330
+HK$3,922/mo
Deposit HK$5.96M · loan HK$13.91M · min. income ≈ HK$148,816/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,586
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$84,124
−HK$2,578/mo
Today · 4.125%
HK$86,702
baseline
▲ 0.50% · 4.625%
HK$91,978
+HK$5,276/mo
Deposit HK$1.99M · loan HK$17.89M · min. income ≈ HK$173,404/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,764
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$93,198
−HK$2,469/mo
Today · 4.125%
HK$95,667
baseline
▲ 0.50% · 4.625%
HK$100,710
+HK$5,043/mo
Deposit HK$1.99M · loan HK$17.89M · min. income ≈ HK$191,334/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,404 · Scale 2, in force from 26 Feb 2026)