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$45,331
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,741
−HK$1,433/mo
Today · 4.125%
HK$48,174
baseline
▲ 0.50% · 4.625%
HK$51,105
+HK$2,931/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$96,348/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,430
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,783
−HK$1,372/mo
Today · 4.125%
HK$53,155
baseline
▲ 0.50% · 4.625%
HK$55,957
+HK$2,802/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$106,310/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,397
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$56,089
−HK$1,719/mo
Today · 4.125%
HK$57,808
baseline
▲ 0.50% · 4.625%
HK$61,326
+HK$3,518/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$115,616/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,516
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,139
−HK$1,647/mo
Today · 4.125%
HK$63,786
baseline
▲ 0.50% · 4.625%
HK$67,148
+HK$3,362/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$127,572/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,463
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$65,437
−HK$2,006/mo
Today · 4.125%
HK$67,443
baseline
▲ 0.50% · 4.625%
HK$71,547
+HK$4,104/mo
Deposit HK$5.96M · loan HK$13.92M · min. income ≈ HK$134,886/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,602
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$72,496
−HK$1,921/mo
Today · 4.125%
HK$74,417
baseline
▲ 0.50% · 4.625%
HK$78,339
+HK$3,922/mo
Deposit HK$5.96M · loan HK$13.92M · min. income ≈ HK$148,834/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,596
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$84,134
−HK$2,578/mo
Today · 4.125%
HK$86,712
baseline
▲ 0.50% · 4.625%
HK$91,989
+HK$5,277/mo
Deposit HK$1.99M · loan HK$17.89M · min. income ≈ HK$173,424/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,774
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$93,209
−HK$2,470/mo
Today · 4.125%
HK$95,679
baseline
▲ 0.50% · 4.625%
HK$100,722
+HK$5,043/mo
Deposit HK$1.99M · loan HK$17.89M · min. income ≈ HK$191,358/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,491 · Scale 2, in force from 26 Feb 2026)