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$45,282
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,691
−HK$1,431/mo
Today · 4.125%
HK$48,122
baseline
▲ 0.50% · 4.625%
HK$51,050
+HK$2,928/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$96,244/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,376
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,727
−HK$1,370/mo
Today · 4.125%
HK$53,097
baseline
▲ 0.50% · 4.625%
HK$55,896
+HK$2,799/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$106,194/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,338
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,029
−HK$1,717/mo
Today · 4.125%
HK$57,746
baseline
▲ 0.50% · 4.625%
HK$61,260
+HK$3,514/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$115,492/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,451
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,072
−HK$1,645/mo
Today · 4.125%
HK$63,717
baseline
▲ 0.50% · 4.625%
HK$67,076
+HK$3,359/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$127,434/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,395
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$65,367
−HK$2,003/mo
Today · 4.125%
HK$67,370
baseline
▲ 0.50% · 4.625%
HK$71,470
+HK$4,100/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$134,740/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,526
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$72,418
−HK$1,918/mo
Today · 4.125%
HK$74,336
baseline
▲ 0.50% · 4.625%
HK$78,255
+HK$3,919/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$148,672/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,508
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$84,043
−HK$2,576/mo
Today · 4.125%
HK$86,619
baseline
▲ 0.50% · 4.625%
HK$91,889
+HK$5,270/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$173,238/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,676
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$93,108
−HK$2,467/mo
Today · 4.125%
HK$95,575
baseline
▲ 0.50% · 4.625%
HK$100,613
+HK$5,038/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$191,150/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,686 · Scale 2, in force from 26 Feb 2026)