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$45,298
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$46,707
−HK$1,432/mo
Today · 4.125%
HK$48,139
baseline
▲ 0.50% · 4.625%
HK$51,068
+HK$2,929/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$96,278/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$744,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,394
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,745
−HK$1,371/mo
Today · 4.125%
HK$53,116
baseline
▲ 0.50% · 4.625%
HK$55,916
+HK$2,800/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$106,232/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$744,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,358
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,049
−HK$1,717/mo
Today · 4.125%
HK$57,766
baseline
▲ 0.50% · 4.625%
HK$61,281
+HK$3,515/mo
Deposit HK$7.95M · loan HK$11.92M · min. income ≈ HK$115,532/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,472
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$62,094
−HK$1,646/mo
Today · 4.125%
HK$63,740
baseline
▲ 0.50% · 4.625%
HK$67,099
+HK$3,359/mo
Deposit HK$7.95M · loan HK$11.92M · min. income ≈ HK$127,480/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,417
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$65,390
−HK$2,004/mo
Today · 4.125%
HK$67,394
baseline
▲ 0.50% · 4.625%
HK$71,495
+HK$4,101/mo
Deposit HK$5.96M · loan HK$13.91M · min. income ≈ HK$134,788/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,551
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$72,443
−HK$1,920/mo
Today · 4.125%
HK$74,363
baseline
▲ 0.50% · 4.625%
HK$78,283
+HK$3,920/mo
Deposit HK$5.96M · loan HK$13.91M · min. income ≈ HK$148,726/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,537
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$84,073
−HK$2,577/mo
Today · 4.125%
HK$86,650
baseline
▲ 0.50% · 4.625%
HK$91,922
+HK$5,272/mo
Deposit HK$1.99M · loan HK$17.88M · min. income ≈ HK$173,300/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,709
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$93,141
−HK$2,468/mo
Today · 4.125%
HK$95,609
baseline
▲ 0.50% · 4.625%
HK$100,649
+HK$5,040/mo
Deposit HK$1.99M · loan HK$17.88M · min. income ≈ HK$191,218/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,952 · Scale 2, in force from 26 Feb 2026)