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$45,201
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$46,607
−HK$1,428/mo
Today · 4.125%
HK$48,035
baseline
▲ 0.50% · 4.625%
HK$50,958
+HK$2,923/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$96,070/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$743,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,285
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,634
−HK$1,368/mo
Today · 4.125%
HK$53,002
baseline
▲ 0.50% · 4.625%
HK$55,796
+HK$2,794/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$106,004/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$743,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,241
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,928
−HK$1,714/mo
Today · 4.125%
HK$57,642
baseline
▲ 0.50% · 4.625%
HK$61,150
+HK$3,508/mo
Deposit HK$7.93M · loan HK$11.89M · min. income ≈ HK$115,284/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$743,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,343
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$61,961
−HK$1,642/mo
Today · 4.125%
HK$63,603
baseline
▲ 0.50% · 4.625%
HK$66,955
+HK$3,352/mo
Deposit HK$7.93M · loan HK$11.89M · min. income ≈ HK$127,206/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$743,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,281
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$65,250
−HK$1,999/mo
Today · 4.125%
HK$67,249
baseline
▲ 0.50% · 4.625%
HK$71,341
+HK$4,092/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$134,498/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,400
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$72,288
−HK$1,915/mo
Today · 4.125%
HK$74,203
baseline
▲ 0.50% · 4.625%
HK$78,115
+HK$3,912/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$148,406/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,362
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$83,892
−HK$2,572/mo
Today · 4.125%
HK$86,464
baseline
▲ 0.50% · 4.625%
HK$91,725
+HK$5,261/mo
Deposit HK$1.98M · loan HK$17.84M · min. income ≈ HK$172,928/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,514
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$92,941
−HK$2,463/mo
Today · 4.125%
HK$95,404
baseline
▲ 0.50% · 4.625%
HK$100,433
+HK$5,029/mo
Deposit HK$1.98M · loan HK$17.84M · min. income ≈ HK$190,808/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,352 · Scale 2, in force from 26 Feb 2026)