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$45,351
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,762
−HK$1,433/mo
Today · 4.125%
HK$48,195
baseline
▲ 0.50% · 4.625%
HK$51,128
+HK$2,933/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$96,390/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,453
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,806
−HK$1,372/mo
Today · 4.125%
HK$53,178
baseline
▲ 0.50% · 4.625%
HK$55,982
+HK$2,804/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$106,356/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,421
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$56,114
−HK$1,720/mo
Today · 4.125%
HK$57,834
baseline
▲ 0.50% · 4.625%
HK$61,353
+HK$3,519/mo
Deposit HK$7.96M · loan HK$11.93M · min. income ≈ HK$115,668/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,543
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,167
−HK$1,647/mo
Today · 4.125%
HK$63,814
baseline
▲ 0.50% · 4.625%
HK$67,178
+HK$3,364/mo
Deposit HK$7.96M · loan HK$11.93M · min. income ≈ HK$127,628/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,492
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$65,467
−HK$2,006/mo
Today · 4.125%
HK$67,473
baseline
▲ 0.50% · 4.625%
HK$71,579
+HK$4,106/mo
Deposit HK$5.97M · loan HK$13.92M · min. income ≈ HK$134,946/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,634
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$72,528
−HK$1,922/mo
Today · 4.125%
HK$74,450
baseline
▲ 0.50% · 4.625%
HK$78,374
+HK$3,924/mo
Deposit HK$5.97M · loan HK$13.92M · min. income ≈ HK$148,900/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,632
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$84,171
−HK$2,580/mo
Today · 4.125%
HK$86,751
baseline
▲ 0.50% · 4.625%
HK$92,030
+HK$5,279/mo
Deposit HK$1.99M · loan HK$17.90M · min. income ≈ HK$173,502/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,815
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$93,250
−HK$2,471/mo
Today · 4.125%
HK$95,721
baseline
▲ 0.50% · 4.625%
HK$100,767
+HK$5,046/mo
Deposit HK$1.99M · loan HK$17.90M · min. income ≈ HK$191,442/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,823 · Scale 2, in force from 26 Feb 2026)