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$45,272
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,680
−HK$1,431/mo
Today · 4.125%
HK$48,111
baseline
▲ 0.50% · 4.625%
HK$51,038
+HK$2,927/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$96,222/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,365
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,715
−HK$1,371/mo
Today · 4.125%
HK$53,086
baseline
▲ 0.50% · 4.625%
HK$55,884
+HK$2,798/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$106,172/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,326
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,016
−HK$1,717/mo
Today · 4.125%
HK$57,733
baseline
▲ 0.50% · 4.625%
HK$61,246
+HK$3,513/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$115,466/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,437
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,058
−HK$1,645/mo
Today · 4.125%
HK$63,703
baseline
▲ 0.50% · 4.625%
HK$67,061
+HK$3,358/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$127,406/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,381
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$65,352
−HK$2,003/mo
Today · 4.125%
HK$67,355
baseline
▲ 0.50% · 4.625%
HK$71,454
+HK$4,099/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$134,710/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,510
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$72,401
−HK$1,919/mo
Today · 4.125%
HK$74,320
baseline
▲ 0.50% · 4.625%
HK$78,237
+HK$3,917/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$148,640/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,489
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$84,024
−HK$2,575/mo
Today · 4.125%
HK$86,599
baseline
▲ 0.50% · 4.625%
HK$91,869
+HK$5,270/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$173,198/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,656
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$93,087
−HK$2,467/mo
Today · 4.125%
HK$95,554
baseline
▲ 0.50% · 4.625%
HK$100,591
+HK$5,037/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$191,108/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,520 · Scale 2, in force from 26 Feb 2026)