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$45,220
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,627
−HK$1,429/mo
Today · 4.125%
HK$48,056
baseline
▲ 0.50% · 4.625%
HK$50,980
+HK$2,924/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$96,112/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,307
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,656
−HK$1,369/mo
Today · 4.125%
HK$53,025
baseline
▲ 0.50% · 4.625%
HK$55,820
+HK$2,795/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$106,050/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,264
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,952
−HK$1,715/mo
Today · 4.125%
HK$57,667
baseline
▲ 0.50% · 4.625%
HK$61,176
+HK$3,509/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$115,334/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$743,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,369
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,988
−HK$1,642/mo
Today · 4.125%
HK$63,630
baseline
▲ 0.50% · 4.625%
HK$66,984
+HK$3,354/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$127,260/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$743,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,309
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$65,278
−HK$2,001/mo
Today · 4.125%
HK$67,279
baseline
▲ 0.50% · 4.625%
HK$71,372
+HK$4,093/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$134,558/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,430
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$72,319
−HK$1,916/mo
Today · 4.125%
HK$74,235
baseline
▲ 0.50% · 4.625%
HK$78,148
+HK$3,913/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$148,470/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,397
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$83,929
−HK$2,572/mo
Today · 4.125%
HK$86,501
baseline
▲ 0.50% · 4.625%
HK$91,764
+HK$5,263/mo
Deposit HK$1.98M · loan HK$17.85M · min. income ≈ HK$173,002/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,553
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$92,982
−HK$2,463/mo
Today · 4.125%
HK$95,445
baseline
▲ 0.50% · 4.625%
HK$100,476
+HK$5,031/mo
Deposit HK$1.98M · loan HK$17.85M · min. income ≈ HK$190,890/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,674 · Scale 2, in force from 26 Feb 2026)