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$45,277
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,686
−HK$1,431/mo
Today · 4.125%
HK$48,117
baseline
▲ 0.50% · 4.625%
HK$51,044
+HK$2,927/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$96,234/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,371
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,721
−HK$1,371/mo
Today · 4.125%
HK$53,092
baseline
▲ 0.50% · 4.625%
HK$55,890
+HK$2,798/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$106,184/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,333
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,023
−HK$1,717/mo
Today · 4.125%
HK$57,740
baseline
▲ 0.50% · 4.625%
HK$61,253
+HK$3,513/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$115,480/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,445
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,066
−HK$1,644/mo
Today · 4.125%
HK$63,710
baseline
▲ 0.50% · 4.625%
HK$67,068
+HK$3,358/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$127,420/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,388
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$65,360
−HK$2,003/mo
Today · 4.125%
HK$67,363
baseline
▲ 0.50% · 4.625%
HK$71,462
+HK$4,099/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$134,726/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,519
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$72,410
−HK$1,919/mo
Today · 4.125%
HK$74,329
baseline
▲ 0.50% · 4.625%
HK$78,247
+HK$3,918/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$148,658/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,499
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$84,034
−HK$2,576/mo
Today · 4.125%
HK$86,610
baseline
▲ 0.50% · 4.625%
HK$91,880
+HK$5,270/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$173,220/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,667
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$93,099
−HK$2,466/mo
Today · 4.125%
HK$95,565
baseline
▲ 0.50% · 4.625%
HK$100,603
+HK$5,038/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$191,130/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,609 · Scale 2, in force from 26 Feb 2026)