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$45,207
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$46,613
−HK$1,428/mo
Today · 4.125%
HK$48,041
baseline
▲ 0.50% · 4.625%
HK$50,965
+HK$2,924/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$96,082/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,292
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,641
−HK$1,368/mo
Today · 4.125%
HK$53,009
baseline
▲ 0.50% · 4.625%
HK$55,803
+HK$2,794/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$106,018/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,248
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,935
−HK$1,715/mo
Today · 4.125%
HK$57,650
baseline
▲ 0.50% · 4.625%
HK$61,158
+HK$3,508/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$115,300/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$743,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,350
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,969
−HK$1,642/mo
Today · 4.125%
HK$63,611
baseline
▲ 0.50% · 4.625%
HK$66,964
+HK$3,353/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$127,222/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$743,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,289
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$65,258
−HK$2,000/mo
Today · 4.125%
HK$67,258
baseline
▲ 0.50% · 4.625%
HK$71,351
+HK$4,093/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$134,516/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,409
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$72,297
−HK$1,916/mo
Today · 4.125%
HK$74,213
baseline
▲ 0.50% · 4.625%
HK$78,125
+HK$3,912/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$148,426/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,372
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$83,903
−HK$2,572/mo
Today · 4.125%
HK$86,475
baseline
▲ 0.50% · 4.625%
HK$91,736
+HK$5,261/mo
Deposit HK$1.98M · loan HK$17.84M · min. income ≈ HK$172,950/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,525
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$92,953
−HK$2,463/mo
Today · 4.125%
HK$95,416
baseline
▲ 0.50% · 4.625%
HK$100,446
+HK$5,030/mo
Deposit HK$1.98M · loan HK$17.84M · min. income ≈ HK$190,832/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,447 · Scale 2, in force from 26 Feb 2026)