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$45,279
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,687
−HK$1,431/mo
Today · 4.125%
HK$48,118
baseline
▲ 0.50% · 4.625%
HK$51,046
+HK$2,928/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$96,236/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,372
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,723
−HK$1,371/mo
Today · 4.125%
HK$53,094
baseline
▲ 0.50% · 4.625%
HK$55,892
+HK$2,798/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$106,188/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,334
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,025
−HK$1,717/mo
Today · 4.125%
HK$57,742
baseline
▲ 0.50% · 4.625%
HK$61,255
+HK$3,513/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$115,484/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,447
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,068
−HK$1,644/mo
Today · 4.125%
HK$63,712
baseline
▲ 0.50% · 4.625%
HK$67,071
+HK$3,359/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$127,424/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,390
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$65,362
−HK$2,003/mo
Today · 4.125%
HK$67,365
baseline
▲ 0.50% · 4.625%
HK$71,464
+HK$4,099/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$134,730/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,521
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$72,412
−HK$1,919/mo
Today · 4.125%
HK$74,331
baseline
▲ 0.50% · 4.625%
HK$78,249
+HK$3,918/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$148,662/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,502
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$84,037
−HK$2,576/mo
Today · 4.125%
HK$86,613
baseline
▲ 0.50% · 4.625%
HK$91,883
+HK$5,270/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$173,226/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,670
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$93,102
−HK$2,466/mo
Today · 4.125%
HK$95,568
baseline
▲ 0.50% · 4.625%
HK$100,606
+HK$5,038/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$191,136/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,633 · Scale 2, in force from 26 Feb 2026)