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$45,226
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,633
−HK$1,429/mo
Today · 4.125%
HK$48,062
baseline
▲ 0.50% · 4.625%
HK$50,987
+HK$2,925/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$96,124/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,314
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,663
−HK$1,369/mo
Today · 4.125%
HK$53,032
baseline
▲ 0.50% · 4.625%
HK$55,827
+HK$2,795/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$106,064/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,271
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,959
−HK$1,716/mo
Today · 4.125%
HK$57,675
baseline
▲ 0.50% · 4.625%
HK$61,184
+HK$3,509/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$115,350/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$743,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,376
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$61,996
−HK$1,642/mo
Today · 4.125%
HK$63,638
baseline
▲ 0.50% · 4.625%
HK$66,993
+HK$3,355/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$127,276/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$743,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,317
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$65,286
−HK$2,001/mo
Today · 4.125%
HK$67,287
baseline
▲ 0.50% · 4.625%
HK$71,381
+HK$4,094/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$134,574/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,439
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$72,328
−HK$1,917/mo
Today · 4.125%
HK$74,245
baseline
▲ 0.50% · 4.625%
HK$78,158
+HK$3,913/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$148,490/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,407
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$83,939
−HK$2,573/mo
Today · 4.125%
HK$86,512
baseline
▲ 0.50% · 4.625%
HK$91,776
+HK$5,264/mo
Deposit HK$1.98M · loan HK$17.85M · min. income ≈ HK$173,024/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,564
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$92,993
−HK$2,464/mo
Today · 4.125%
HK$95,457
baseline
▲ 0.50% · 4.625%
HK$100,489
+HK$5,032/mo
Deposit HK$1.98M · loan HK$17.85M · min. income ≈ HK$190,914/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,767 · Scale 2, in force from 26 Feb 2026)