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$45,269
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,677
−HK$1,431/mo
Today · 4.125%
HK$48,108
baseline
▲ 0.50% · 4.625%
HK$51,035
+HK$2,927/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$96,216/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,361
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,712
−HK$1,370/mo
Today · 4.125%
HK$53,082
baseline
▲ 0.50% · 4.625%
HK$55,880
+HK$2,798/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$106,164/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,323
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$56,012
−HK$1,717/mo
Today · 4.125%
HK$57,729
baseline
▲ 0.50% · 4.625%
HK$61,242
+HK$3,513/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$115,458/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,433
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,054
−HK$1,644/mo
Today · 4.125%
HK$63,698
baseline
▲ 0.50% · 4.625%
HK$67,056
+HK$3,358/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$127,396/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,376
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$65,348
−HK$2,003/mo
Today · 4.125%
HK$67,351
baseline
▲ 0.50% · 4.625%
HK$71,449
+HK$4,098/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$134,702/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,505
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$72,396
−HK$1,919/mo
Today · 4.125%
HK$74,315
baseline
▲ 0.50% · 4.625%
HK$78,232
+HK$3,917/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$148,630/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,484
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$84,018
−HK$2,576/mo
Today · 4.125%
HK$86,594
baseline
▲ 0.50% · 4.625%
HK$91,863
+HK$5,269/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$173,188/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,650
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$93,081
−HK$2,466/mo
Today · 4.125%
HK$95,547
baseline
▲ 0.50% · 4.625%
HK$100,584
+HK$5,037/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$191,094/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,469 · Scale 2, in force from 26 Feb 2026)