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$45,252
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,660
−HK$1,430/mo
Today · 4.125%
HK$48,090
baseline
▲ 0.50% · 4.625%
HK$51,016
+HK$2,926/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$96,180/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,342
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,693
−HK$1,369/mo
Today · 4.125%
HK$53,062
baseline
▲ 0.50% · 4.625%
HK$55,859
+HK$2,797/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$106,124/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,302
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$55,992
−HK$1,716/mo
Today · 4.125%
HK$57,708
baseline
▲ 0.50% · 4.625%
HK$61,219
+HK$3,511/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$115,416/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,411
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,031
−HK$1,644/mo
Today · 4.125%
HK$63,675
baseline
▲ 0.50% · 4.625%
HK$67,031
+HK$3,356/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$127,350/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,353
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$65,323
−HK$2,003/mo
Today · 4.125%
HK$67,326
baseline
▲ 0.50% · 4.625%
HK$71,422
+HK$4,096/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$134,652/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,479
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$72,370
−HK$1,917/mo
Today · 4.125%
HK$74,287
baseline
▲ 0.50% · 4.625%
HK$78,203
+HK$3,916/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$148,574/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,454
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$83,987
−HK$2,574/mo
Today · 4.125%
HK$86,561
baseline
▲ 0.50% · 4.625%
HK$91,829
+HK$5,268/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$173,122/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,616
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$93,047
−HK$2,465/mo
Today · 4.125%
HK$95,512
baseline
▲ 0.50% · 4.625%
HK$100,547
+HK$5,035/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$191,024/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,193 · Scale 2, in force from 26 Feb 2026)