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$45,338
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,748
−HK$1,433/mo
Today · 4.125%
HK$48,181
baseline
▲ 0.50% · 4.625%
HK$51,112
+HK$2,931/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$96,362/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,438
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,790
−HK$1,373/mo
Today · 4.125%
HK$53,163
baseline
▲ 0.50% · 4.625%
HK$55,965
+HK$2,802/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$106,326/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,405
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,097
−HK$1,720/mo
Today · 4.125%
HK$57,817
baseline
▲ 0.50% · 4.625%
HK$61,335
+HK$3,518/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$115,634/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,525
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,148
−HK$1,647/mo
Today · 4.125%
HK$63,795
baseline
▲ 0.50% · 4.625%
HK$67,158
+HK$3,363/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$127,590/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,473
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$65,447
−HK$2,006/mo
Today · 4.125%
HK$67,453
baseline
▲ 0.50% · 4.625%
HK$71,557
+HK$4,104/mo
Deposit HK$5.96M · loan HK$13.92M · min. income ≈ HK$134,906/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,613
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$72,507
−HK$1,921/mo
Today · 4.125%
HK$74,428
baseline
▲ 0.50% · 4.625%
HK$78,351
+HK$3,923/mo
Deposit HK$5.96M · loan HK$13.92M · min. income ≈ HK$148,856/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,608
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$84,146
−HK$2,579/mo
Today · 4.125%
HK$86,725
baseline
▲ 0.50% · 4.625%
HK$92,002
+HK$5,277/mo
Deposit HK$1.99M · loan HK$17.89M · min. income ≈ HK$173,450/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,788
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$93,223
−HK$2,470/mo
Today · 4.125%
HK$95,693
baseline
▲ 0.50% · 4.625%
HK$100,737
+HK$5,044/mo
Deposit HK$1.99M · loan HK$17.89M · min. income ≈ HK$191,386/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,601 · Scale 2, in force from 26 Feb 2026)