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$45,320
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,730
−HK$1,432/mo
Today · 4.125%
HK$48,162
baseline
▲ 0.50% · 4.625%
HK$51,093
+HK$2,931/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$96,324/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$745,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,419
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,771
−HK$1,372/mo
Today · 4.125%
HK$53,143
baseline
▲ 0.50% · 4.625%
HK$55,944
+HK$2,801/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$106,286/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$745,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,385
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$56,076
−HK$1,719/mo
Today · 4.125%
HK$57,795
baseline
▲ 0.50% · 4.625%
HK$61,312
+HK$3,517/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$115,590/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,502
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,125
−HK$1,646/mo
Today · 4.125%
HK$63,771
baseline
▲ 0.50% · 4.625%
HK$67,133
+HK$3,362/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$127,542/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,449
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$65,422
−HK$2,005/mo
Today · 4.125%
HK$67,427
baseline
▲ 0.50% · 4.625%
HK$71,530
+HK$4,103/mo
Deposit HK$5.96M · loan HK$13.91M · min. income ≈ HK$134,854/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,586
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$72,479
−HK$1,921/mo
Today · 4.125%
HK$74,400
baseline
▲ 0.50% · 4.625%
HK$78,321
+HK$3,921/mo
Deposit HK$5.96M · loan HK$13.91M · min. income ≈ HK$148,800/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,577
−HK$5,115/mo
▼ 0.25% · 3.875%
HK$84,114
−HK$2,578/mo
Today · 4.125%
HK$86,692
baseline
▲ 0.50% · 4.625%
HK$91,967
+HK$5,275/mo
Deposit HK$1.99M · loan HK$17.89M · min. income ≈ HK$173,384/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,753
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$93,187
−HK$2,470/mo
Today · 4.125%
HK$95,657
baseline
▲ 0.50% · 4.625%
HK$100,699
+HK$5,042/mo
Deposit HK$1.99M · loan HK$17.89M · min. income ≈ HK$191,314/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,319 · Scale 2, in force from 26 Feb 2026)