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$45,241
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,648
−HK$1,430/mo
Today · 4.125%
HK$48,078
baseline
▲ 0.50% · 4.625%
HK$51,003
+HK$2,925/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$96,156/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$744,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,330
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,680
−HK$1,369/mo
Today · 4.125%
HK$53,049
baseline
▲ 0.50% · 4.625%
HK$55,846
+HK$2,797/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$106,098/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$744,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,289
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,978
−HK$1,716/mo
Today · 4.125%
HK$57,694
baseline
▲ 0.50% · 4.625%
HK$61,204
+HK$3,510/mo
Deposit HK$7.94M · loan HK$11.90M · min. income ≈ HK$115,388/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,396
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$62,016
−HK$1,643/mo
Today · 4.125%
HK$63,659
baseline
▲ 0.50% · 4.625%
HK$67,015
+HK$3,356/mo
Deposit HK$7.94M · loan HK$11.90M · min. income ≈ HK$127,318/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,337
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$65,307
−HK$2,002/mo
Today · 4.125%
HK$67,309
baseline
▲ 0.50% · 4.625%
HK$71,405
+HK$4,096/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$134,618/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,462
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$72,352
−HK$1,917/mo
Today · 4.125%
HK$74,269
baseline
▲ 0.50% · 4.625%
HK$78,184
+HK$3,915/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$148,538/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,434
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$83,967
−HK$2,573/mo
Today · 4.125%
HK$86,540
baseline
▲ 0.50% · 4.625%
HK$91,806
+HK$5,266/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$173,080/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,594
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$93,024
−HK$2,465/mo
Today · 4.125%
HK$95,489
baseline
▲ 0.50% · 4.625%
HK$100,522
+HK$5,033/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$190,978/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,011 · Scale 2, in force from 26 Feb 2026)