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$45,346
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,756
−HK$1,433/mo
Today · 4.125%
HK$48,189
baseline
▲ 0.50% · 4.625%
HK$51,122
+HK$2,933/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$96,378/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,447
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,800
−HK$1,372/mo
Today · 4.125%
HK$53,172
baseline
▲ 0.50% · 4.625%
HK$55,975
+HK$2,803/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$106,344/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,415
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,108
−HK$1,719/mo
Today · 4.125%
HK$57,827
baseline
▲ 0.50% · 4.625%
HK$61,346
+HK$3,519/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$115,654/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,536
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,160
−HK$1,647/mo
Today · 4.125%
HK$63,807
baseline
▲ 0.50% · 4.625%
HK$67,170
+HK$3,363/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$127,614/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,484
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$65,459
−HK$2,006/mo
Today · 4.125%
HK$67,465
baseline
▲ 0.50% · 4.625%
HK$71,570
+HK$4,105/mo
Deposit HK$5.97M · loan HK$13.92M · min. income ≈ HK$134,930/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,626
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$72,520
−HK$1,921/mo
Today · 4.125%
HK$74,441
baseline
▲ 0.50% · 4.625%
HK$78,365
+HK$3,924/mo
Deposit HK$5.97M · loan HK$13.92M · min. income ≈ HK$148,882/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,623
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$84,161
−HK$2,580/mo
Today · 4.125%
HK$86,741
baseline
▲ 0.50% · 4.625%
HK$92,019
+HK$5,278/mo
Deposit HK$1.99M · loan HK$17.90M · min. income ≈ HK$173,482/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,804
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$93,240
−HK$2,470/mo
Today · 4.125%
HK$95,710
baseline
▲ 0.50% · 4.625%
HK$100,755
+HK$5,045/mo
Deposit HK$1.99M · loan HK$17.90M · min. income ≈ HK$191,420/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,737 · Scale 2, in force from 26 Feb 2026)