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$45,263
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,671
−HK$1,430/mo
Today · 4.125%
HK$48,101
baseline
▲ 0.50% · 4.625%
HK$51,028
+HK$2,927/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$96,202/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,354
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,705
−HK$1,370/mo
Today · 4.125%
HK$53,075
baseline
▲ 0.50% · 4.625%
HK$55,873
+HK$2,798/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$106,150/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,315
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,005
−HK$1,717/mo
Today · 4.125%
HK$57,722
baseline
▲ 0.50% · 4.625%
HK$61,234
+HK$3,512/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$115,444/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,425
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,046
−HK$1,644/mo
Today · 4.125%
HK$63,690
baseline
▲ 0.50% · 4.625%
HK$67,047
+HK$3,357/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$127,380/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,368
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$65,339
−HK$2,003/mo
Today · 4.125%
HK$67,342
baseline
▲ 0.50% · 4.625%
HK$71,439
+HK$4,097/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$134,684/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,496
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$72,387
−HK$1,918/mo
Today · 4.125%
HK$74,305
baseline
▲ 0.50% · 4.625%
HK$78,222
+HK$3,917/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$148,610/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,473
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$84,007
−HK$2,575/mo
Today · 4.125%
HK$86,582
baseline
▲ 0.50% · 4.625%
HK$91,851
+HK$5,269/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$173,164/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,638
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$93,069
−HK$2,466/mo
Today · 4.125%
HK$95,535
baseline
▲ 0.50% · 4.625%
HK$100,571
+HK$5,036/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$191,070/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,372 · Scale 2, in force from 26 Feb 2026)