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$45,290
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,699
−HK$1,431/mo
Today · 4.125%
HK$48,130
baseline
▲ 0.50% · 4.625%
HK$51,059
+HK$2,929/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$96,260/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$744,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,385
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,736
−HK$1,371/mo
Today · 4.125%
HK$53,107
baseline
▲ 0.50% · 4.625%
HK$55,906
+HK$2,799/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$106,214/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$744,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,348
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,039
−HK$1,717/mo
Today · 4.125%
HK$57,756
baseline
▲ 0.50% · 4.625%
HK$61,271
+HK$3,515/mo
Deposit HK$7.94M · loan HK$11.92M · min. income ≈ HK$115,512/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,462
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$62,084
−HK$1,645/mo
Today · 4.125%
HK$63,729
baseline
▲ 0.50% · 4.625%
HK$67,088
+HK$3,359/mo
Deposit HK$7.94M · loan HK$11.92M · min. income ≈ HK$127,458/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,406
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$65,379
−HK$2,004/mo
Today · 4.125%
HK$67,383
baseline
▲ 0.50% · 4.625%
HK$71,483
+HK$4,100/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$134,766/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,539
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$72,431
−HK$1,919/mo
Today · 4.125%
HK$74,350
baseline
▲ 0.50% · 4.625%
HK$78,269
+HK$3,919/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$148,700/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,523
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$84,058
−HK$2,577/mo
Today · 4.125%
HK$86,635
baseline
▲ 0.50% · 4.625%
HK$91,906
+HK$5,271/mo
Deposit HK$1.99M · loan HK$17.88M · min. income ≈ HK$173,270/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,693
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$93,125
−HK$2,468/mo
Today · 4.125%
HK$95,593
baseline
▲ 0.50% · 4.625%
HK$100,632
+HK$5,039/mo
Deposit HK$1.99M · loan HK$17.88M · min. income ≈ HK$191,186/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,823 · Scale 2, in force from 26 Feb 2026)