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$45,226
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,633
−HK$1,429/mo
Today · 4.125%
HK$48,062
baseline
▲ 0.50% · 4.625%
HK$50,986
+HK$2,924/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$96,124/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,313
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,663
−HK$1,369/mo
Today · 4.125%
HK$53,032
baseline
▲ 0.50% · 4.625%
HK$55,827
+HK$2,795/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$106,064/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,271
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,959
−HK$1,715/mo
Today · 4.125%
HK$57,674
baseline
▲ 0.50% · 4.625%
HK$61,184
+HK$3,510/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$115,348/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$743,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,376
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$61,995
−HK$1,643/mo
Today · 4.125%
HK$63,638
baseline
▲ 0.50% · 4.625%
HK$66,992
+HK$3,354/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$127,276/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$743,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,316
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$65,286
−HK$2,001/mo
Today · 4.125%
HK$67,287
baseline
▲ 0.50% · 4.625%
HK$71,381
+HK$4,094/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$134,574/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,439
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$72,328
−HK$1,916/mo
Today · 4.125%
HK$74,244
baseline
▲ 0.50% · 4.625%
HK$78,158
+HK$3,914/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$148,488/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,406
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$83,939
−HK$2,572/mo
Today · 4.125%
HK$86,511
baseline
▲ 0.50% · 4.625%
HK$91,775
+HK$5,264/mo
Deposit HK$1.98M · loan HK$17.85M · min. income ≈ HK$173,022/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,564
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$92,993
−HK$2,464/mo
Today · 4.125%
HK$95,457
baseline
▲ 0.50% · 4.625%
HK$100,488
+HK$5,031/mo
Deposit HK$1.98M · loan HK$17.85M · min. income ≈ HK$190,914/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,763 · Scale 2, in force from 26 Feb 2026)