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$45,242
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,649
−HK$1,430/mo
Today · 4.125%
HK$48,079
baseline
▲ 0.50% · 4.625%
HK$51,004
+HK$2,925/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$96,158/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$744,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,331
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,681
−HK$1,369/mo
Today · 4.125%
HK$53,050
baseline
▲ 0.50% · 4.625%
HK$55,847
+HK$2,797/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$106,100/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$744,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,290
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,979
−HK$1,716/mo
Today · 4.125%
HK$57,695
baseline
▲ 0.50% · 4.625%
HK$61,205
+HK$3,510/mo
Deposit HK$7.94M · loan HK$11.90M · min. income ≈ HK$115,390/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,397
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$62,017
−HK$1,643/mo
Today · 4.125%
HK$63,660
baseline
▲ 0.50% · 4.625%
HK$67,016
+HK$3,356/mo
Deposit HK$7.94M · loan HK$11.90M · min. income ≈ HK$127,320/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,339
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$65,309
−HK$2,001/mo
Today · 4.125%
HK$67,310
baseline
▲ 0.50% · 4.625%
HK$71,406
+HK$4,096/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$134,620/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,464
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$72,353
−HK$1,917/mo
Today · 4.125%
HK$74,270
baseline
▲ 0.50% · 4.625%
HK$78,185
+HK$3,915/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$148,540/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,435
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$83,968
−HK$2,574/mo
Today · 4.125%
HK$86,542
baseline
▲ 0.50% · 4.625%
HK$91,808
+HK$5,266/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$173,084/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,596
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$93,026
−HK$2,465/mo
Today · 4.125%
HK$95,491
baseline
▲ 0.50% · 4.625%
HK$100,524
+HK$5,033/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$190,982/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,026 · Scale 2, in force from 26 Feb 2026)