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$45,238
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,645
−HK$1,429/mo
Today · 4.125%
HK$48,074
baseline
▲ 0.50% · 4.625%
HK$51,000
+HK$2,926/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$96,148/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,326
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,676
−HK$1,369/mo
Today · 4.125%
HK$53,045
baseline
▲ 0.50% · 4.625%
HK$55,841
+HK$2,796/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$106,090/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,285
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,974
−HK$1,715/mo
Today · 4.125%
HK$57,689
baseline
▲ 0.50% · 4.625%
HK$61,199
+HK$3,510/mo
Deposit HK$7.94M · loan HK$11.90M · min. income ≈ HK$115,378/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$743,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,392
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$62,011
−HK$1,643/mo
Today · 4.125%
HK$63,654
baseline
▲ 0.50% · 4.625%
HK$67,010
+HK$3,356/mo
Deposit HK$7.94M · loan HK$11.90M · min. income ≈ HK$127,308/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$743,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,333
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$65,303
−HK$2,001/mo
Today · 4.125%
HK$67,304
baseline
▲ 0.50% · 4.625%
HK$71,399
+HK$4,095/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$134,608/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$743,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,457
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$72,346
−HK$1,917/mo
Today · 4.125%
HK$74,263
baseline
▲ 0.50% · 4.625%
HK$78,178
+HK$3,915/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$148,526/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$743,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,428
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$83,960
−HK$2,574/mo
Today · 4.125%
HK$86,534
baseline
▲ 0.50% · 4.625%
HK$91,799
+HK$5,265/mo
Deposit HK$1.98M · loan HK$17.85M · min. income ≈ HK$173,068/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,587
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$93,017
−HK$2,465/mo
Today · 4.125%
HK$95,482
baseline
▲ 0.50% · 4.625%
HK$100,514
+HK$5,032/mo
Deposit HK$1.98M · loan HK$17.85M · min. income ≈ HK$190,964/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,955 · Scale 2, in force from 26 Feb 2026)