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$45,243
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,651
−HK$1,429/mo
Today · 4.125%
HK$48,080
baseline
▲ 0.50% · 4.625%
HK$51,006
+HK$2,926/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$96,160/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$744,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,333
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,682
−HK$1,370/mo
Today · 4.125%
HK$53,052
baseline
▲ 0.50% · 4.625%
HK$55,848
+HK$2,796/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$106,104/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$744,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,292
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,981
−HK$1,715/mo
Today · 4.125%
HK$57,696
baseline
▲ 0.50% · 4.625%
HK$61,207
+HK$3,511/mo
Deposit HK$7.94M · loan HK$11.90M · min. income ≈ HK$115,392/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,399
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$62,019
−HK$1,643/mo
Today · 4.125%
HK$63,662
baseline
▲ 0.50% · 4.625%
HK$67,018
+HK$3,356/mo
Deposit HK$7.94M · loan HK$11.90M · min. income ≈ HK$127,324/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,340
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$65,311
−HK$2,001/mo
Today · 4.125%
HK$67,312
baseline
▲ 0.50% · 4.625%
HK$71,408
+HK$4,096/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$134,624/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,466
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$72,355
−HK$1,918/mo
Today · 4.125%
HK$74,273
baseline
▲ 0.50% · 4.625%
HK$78,188
+HK$3,915/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$148,546/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,438
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$83,971
−HK$2,574/mo
Today · 4.125%
HK$86,545
baseline
▲ 0.50% · 4.625%
HK$91,811
+HK$5,266/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$173,090/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,599
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$93,028
−HK$2,465/mo
Today · 4.125%
HK$95,493
baseline
▲ 0.50% · 4.625%
HK$100,527
+HK$5,034/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$190,986/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,048 · Scale 2, in force from 26 Feb 2026)