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$45,303
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$46,712
−HK$1,432/mo
Today · 4.125%
HK$48,144
baseline
▲ 0.50% · 4.625%
HK$51,073
+HK$2,929/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$96,288/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$745,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,399
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,751
−HK$1,371/mo
Today · 4.125%
HK$53,122
baseline
▲ 0.50% · 4.625%
HK$55,922
+HK$2,800/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$106,244/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$745,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,363
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$56,054
−HK$1,718/mo
Today · 4.125%
HK$57,772
baseline
▲ 0.50% · 4.625%
HK$61,288
+HK$3,516/mo
Deposit HK$7.95M · loan HK$11.92M · min. income ≈ HK$115,544/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$745,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,479
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$62,101
−HK$1,645/mo
Today · 4.125%
HK$63,746
baseline
▲ 0.50% · 4.625%
HK$67,106
+HK$3,360/mo
Deposit HK$7.95M · loan HK$11.92M · min. income ≈ HK$127,492/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$745,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,424
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$65,397
−HK$2,004/mo
Today · 4.125%
HK$67,401
baseline
▲ 0.50% · 4.625%
HK$71,502
+HK$4,101/mo
Deposit HK$5.96M · loan HK$13.91M · min. income ≈ HK$134,802/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,559
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$72,451
−HK$1,920/mo
Today · 4.125%
HK$74,371
baseline
▲ 0.50% · 4.625%
HK$78,291
+HK$3,920/mo
Deposit HK$5.96M · loan HK$13.91M · min. income ≈ HK$148,742/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,545
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$84,082
−HK$2,577/mo
Today · 4.125%
HK$86,659
baseline
▲ 0.50% · 4.625%
HK$91,932
+HK$5,273/mo
Deposit HK$1.99M · loan HK$17.88M · min. income ≈ HK$173,318/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,718
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$93,151
−HK$2,468/mo
Today · 4.125%
HK$95,619
baseline
▲ 0.50% · 4.625%
HK$100,660
+HK$5,041/mo
Deposit HK$1.99M · loan HK$17.88M · min. income ≈ HK$191,238/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,029 · Scale 2, in force from 26 Feb 2026)